Jefferson County Teachers

Monticello, FL · 2 · Charter #67341 · www.jctcuonline.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$15.3M
53th percentile
Members
1,342
48th percentile
Total loans
$10.9M
69th percentile
Total shares
$13.0M
55th percentile

Profitability

Return on assets
1.20%
68th percentile
Net interest margin
4.08%
54th percentile
Efficiency ratio
50.26%
83th percentile
Non-interest income ratio
3.51%
27th percentile

Capital & Risk

Net worth ratio
14.62%
48th percentile
Delinquency rate
4.73%
8th percentile
Net charge-off rate
0.19%
52th percentile
Loan-to-share
83.37%
81th percentile

Growth

Member growth YoY
2.99%
89th percentile
Asset growth YoY
0.85%
48th percentile
Loan growth YoY
0.11%
63th percentile
Share growth YoY
0.13%
48th percentile

Operations

Members / branch
671
31th percentile
Assets / member
$11,395
67th percentile
Field of membership penetration
44.14%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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