# JEFFERSON COUNTY TEACHERS
Monticello, FL · NCUA charter 67341 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jefferson-county-teachers-67341

Who the members are: state charter, organized 1964, low-income designated. 1,354 members of 3,040 potential (44.5% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $16.1M |
| Members | 1,354 (2.6% YoY) |
| Full-time staff | 3 |
| Net worth | $2.3M |
| Net worth ratio | 14.1% (p45 of band) |
| ROA (annualized) | 0.75% (p59 of band) |
| Total delinquency | 2.32% (p81 of band) |
| Net charge-offs (annualized) | 1.30% (p89 of band) |
| Loans / shares | 78% (p80 of band) |
| Cash / assets | 12.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.03% (p56 of band) |
| Operating expense / assets | 2.65% (p23 of band) |
| Vehicles % of loans | 59% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.07% (p80 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 53% |
| Average share balance | $9,219 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $13,808 |
| Loans granted, annualized | $4.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | net worth falling | delinquency rising |
| 2018-03 | 1 |  | net worth falling |
| 2018-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 2 | delinquency rising |  |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | net worth falling |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | auto monoline |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | net worth falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 3 | net worth falling, auto monoline |  |
| 2026-03 | 2 |  | auto monoline |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-16 [Watermelon Fest is this weekend! - ECB Publishing, Inc.](https://news.google.com/rss/articles/CBMiakFVX3lxTE82X1lsdF9XSHVuaVIxZ09xSzJjUng4dVROZ3hJSjFNbVZDU284Nk5sZExGaVZkNjVzcmRwTDJmUWhJeDN3VkFlaDlmdVVjSlFsYy11REx1QzJZQVlHVHZKVlpOZnF3MFI5Vnc?oc=5) · ECB Publishing, Inc.
- 2021-10-10 [Justin McNeil appointed as new Jefferson County Supervisor of Elections - Florida Politics](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPX1lKeHhIS0RsNXE2MzdhUEtZMlppcHl5bU4wemFvemxoRE1KdllFVzZfSUt5eEpXQU1oaFNqZWxJUlF4ZkhSXzVfLTVaNVcxNGs0RndwY3p4QjFiNzNaQ0NXc0FOTjNSVU1hMkg3dmRIWXZjSEVXZUNBLUVOQTlnYVU3Tnlha2FHa1d0OHZPd2t6NC1WUHNDa29nY2xvbUlSVzQyd2lBN0VSTWxjLWt4V0NFODlUR1A5cWNfcFAyZDl1QQ?oc=5) · Florida Politics
- 2023-07-03 [A credit union for the community - ECB Publishing, Inc.](https://news.google.com/rss/articles/CBMia0FVX3lxTE9Hd2lIc0NKZ2hlemliVEZvYktCNzBPcmtsZjIzV0cyYUZGRUNHSDJzTENTbTRBY19rdE9MZE1VTk9OQzVyRnpHN0libnJibGpzY2ZmTFVNNW54Mm5NUndrMm9VdDcxZVoxZ3FB?oc=5) · ECB Publishing, Inc.
- 2021-10-08 [Gov. DeSantis names new Jefferson County Supervisor of Elections - Tallahassee Democrat](https://news.google.com/rss/articles/CBMixwFBVV95cUxNSy16TUNidEdDR0Fva09FUWxRQlBJTTJ0dUQtMXhLS0g3RnVnbEV3NVNfeFlrcmEyRXNqUS1IaDJSREpPTXMtQWl6LTRPTUNkQnhJZ3hySjIwdk10dDVhZnc2bVA4OVZFQi1XQ2ZwRkZoUU96MWtDdVZyUU05c0NBOVRCNFhYVFV3OExPNWtDQVBhX3dZZW9sdHEwSGpzME9pMXRSYUZGd1JaeUdObzFJbmxqZWxYNkZJbWJsLWVpanVPLWRUOFlj?oc=5) · Tallahassee Democrat
- 2012-09-20 [Jimmy Brookins Obituary (2012) - Monticello, FL - Tallahassee Democrat - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQaWVhVm53SmVYX29SOFVnRkZtWEh1ZUw5RzBDSjE1QWMzVkNpNXROSmdlcll3cnc1NmhPcWRaNkpyWEJRYzdHSXFjNmRxdE5aNXQzM0Y0NXhMX05BdEZES01xdTFfSVotRmo4TFpGdllXUURtRzdZOFViZEJHNHFQYnRHTXBaWkdJcGZ2WUlNeUxZSUU?oc=5) · legacy.com
- 2020-02-18 [Teachers of the Year recognized by school board - ECB Publishing, Inc.](https://news.google.com/rss/articles/CBMif0FVX3lxTE80cDBVeHgyM0hXVDVocFZ6YThtOHBfZnFqTHRUek1WOGdTZjRqd3ZRRDNXTmFHZ0hBLWE1OUpKckktc1g1MnhCczNOM0Q3cUFlTExDdlE5dF9VbkNfUFBOLUZxQ2x0RGE4dTJRX2hpV1JfMXNudVZURk14UXFITDQ?oc=5) · ECB Publishing, Inc.

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67341 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/13.json (key "67341", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67341
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide