JEFFERSON COUNTY TEACHERS
Charter #67341 · Monticello, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,354 sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.23% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.32% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.29% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 62.78% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | JEFFERSON COUNTY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.07M | 24th pct | 21th pct |
| Members | 1,354 | 19th pct | 21th pct |
| Net worth ratio | 14.10% | 53th pct | 46th pct |
| Return on average assets | 0.77% | 56th pct | 44th pct |
| Net interest margin | 4.13% | 63th pct | 44th pct |
| Cost of funds | 0.23% | 17th pct | 7th pct |
| Loan-to-share | 78.40% | 83th pct | 66th pct |
| Delinquency 60+ days | 2.32% | 88th pct | 84th pct |
| Net charge-off ratio | 1.29% | 90th pct | 95th pct |
| Loan growth YoY | 1.04% | 77th pct | 67th pct |
| Share growth YoY | 5.33% | 77th pct | 67th pct |
| Efficiency ratio | 62.78% | 14th pct | 13th pct |
structural peer set hash: 4e9c76477c7ad20ab729e5186e40984e… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.