Sep, 30, 2025 — JEFFERSON COUNTY TEACHERS CREDIT UNION is a federally insured state chartered credit union headquartered in MONTICELLO, FL with 1 branch location and about $15.32 million in total assets. Opened 62 years ago in 1964, JEFFERSON COUNTY TEACHERS CREDIT UNION has about 1,283 members and employs 3 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | JEFFERSON COUNTY TEACHERS CREDIT UNION |
|---|---|
| Address: (Main Office) | 1500 W Washington St MONTICELLO, FL 32344-1134 |
| Phone: | (850) 342-0250 |
| Fax: | (850) 342-1230 |
| Website: | https://www.jctcuonline.org |
| Branches: | 1 branch locations |
| Members: | 1,283 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67341 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1964 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $15,315,920 |
| CEO/Manager: | Kayla McKown |
| Chairperson: | Gladys Roann |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,706,882 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 1,190,720 |
| Other Loans | 9,496,202 |
| TOTAL LOANS | 10,686,922 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -291,303 |
| Land And Building | 21,393 |
| Other Fixed Assets | 4,342 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 130,017 |
| All Other Assets | 0 |
| TOTAL ASSETS | 15,315,920 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 10,560 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 12,047 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 6,552,737 |
| All Other Shares & Deposits | 6,523,334 |
| TOTAL SHARES & DEPOSITS | 13,076,071 |
| TOTAL LIABILITIES | 13,098,678 |
| Regular Reserve | 0 |
| Other Reserves | 182,686 |
| Undivided Earnings | 2,034,556 |
| TOTAL EQUITY | 2,217,242 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 15,315,920 |
| INCOME & EXPENSE | |
| Loan Income | 615,559 |
| Investment Income | 70,074 |
| Other Income | 25,704 |
| Total Employee Compensation & Benefits | 224,790 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 119,025 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 42,085 |
| Cost of Funds | 211,489 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 113,948 |
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