diff --git a/server/jetstream_cluster.go b/server/jetstream_cluster.go
index 924cf4f2d2..956648c4ef 100644
--- a/server/jetstream_cluster.go
+++ b/server/jetstream_cluster.go
@@ -436,63 +436,39 @@ func (cc *jetStreamCluster) isStreamCurrent(account, stream string) bool {
 
 // isStreamHealthy will determine if the stream is up to date or very close.
 // For R1 it will make sure the stream is present on this server.
-// Read lock should be held.
-func (js *jetStream) isStreamHealthy(account, stream string) bool {
+func (js *jetStream) isStreamHealthy(acc *Account, sa *streamAssignment) bool {
+	js.mu.RLock()
+	defer js.mu.RUnlock()
+
 	cc := js.cluster
 	if cc == nil {
 		// Non-clustered mode
 		return true
 	}
-	as := cc.streams[account]
-	if as == nil {
-		return false
-	}
-	sa := as[stream]
-	if sa == nil {
-		return false
-	}
 	rg := sa.Group
 	if rg == nil {
 		return false
 	}
-
-	if rg.node == nil || rg.node.Healthy() {
+	if rg := sa.Group; rg != nil && (rg.node == nil || rg.node.Healthy()) {
 		// Check if we are processing a snapshot and are catching up.
-		acc, err := cc.s.LookupAccount(account)
-		if err != nil {
-			return false
-		}
-		mset, err := acc.lookupStream(stream)
-		if err != nil {
-			return false
-		}
-		if mset.isCatchingUp() {
-			return false
+		if mset, err := acc.lookupStream(sa.Config.Name); err == nil && !mset.isCatchingUp() {
+			return true
 		}
-		// Success.
-		return true
 	}
-
 	return false
 }
 
 // isConsumerCurrent will determine if the consumer is up to date.
 // For R1 it will make sure the consunmer is present on this server.
-// Read lock should be held.
-func (js *jetStream) isConsumerCurrent(account, stream, consumer string) bool {
+func (js *jetStream) isConsumerCurrent(mset *stream, consumer string, ca *consumerAssignment) bool {
+	js.mu.RLock()
+	defer js.mu.RUnlock()
+
 	cc := js.cluster
 	if cc == nil {
 		// Non-clustered mode
 		return true
 	}
-	acc, err := cc.s.LookupAccount(account)
-	if err != nil {
-		return false
-	}
-	mset, err := acc.lookupStream(stream)
-	if err != nil {
-		return false
-	}
 	o := mset.lookupConsumer(consumer)
 	if o == nil {
 		return false
diff --git a/server/monitor.go b/server/monitor.go
index 4adbffb8d9..2e72861f1d 100644
--- a/server/monitor.go
+++ b/server/monitor.go
@@ -1,4 +1,4 @@
-// Copyright 2013-2022 The NATS Authors
+// Copyright 2013-2023 The NATS Authors
 // Licensed under the Apache License, Version 2.0 (the "License");
 // you may not use this file except in compliance with the License.
 // You may obtain a copy of the License at
@@ -3126,33 +3126,54 @@ func (s *Server) healthz(opts *HealthzOptions) *HealthStatus {
 	// If they are assigned to this server check their status.
 	ourID := meta.ID()
 
-	// TODO(dlc) - Might be better here to not hold the lock the whole time.
+	// Copy the meta layer so we do not need to hold the js read lock for an extended period of time.
 	js.mu.RLock()
-	defer js.mu.RUnlock()
-
+	streams := make(map[string]map[string]*streamAssignment, len(cc.streams))
 	for acc, asa := range cc.streams {
+		nasa := make(map[string]*streamAssignment)
 		for stream, sa := range asa {
 			if sa.Group.isMember(ourID) {
-				// Make sure we can look up
-				if !js.isStreamHealthy(acc, stream) {
-					health.Status = na
-					health.Error = fmt.Sprintf("JetStream stream '%s > %s' is not current", acc, stream)
-					return health
-				}
-				// Now check consumers.
+				csa := sa.copyGroup()
+				csa.consumers = make(map[string]*consumerAssignment)
 				for consumer, ca := range sa.consumers {
 					if ca.Group.isMember(ourID) {
-						if !js.isConsumerCurrent(acc, stream, consumer) {
-							health.Status = na
-							health.Error = fmt.Sprintf("JetStream consumer '%s > %s > %s' is not current", acc, stream, consumer)
-							return health
-						}
+						csa.consumers[consumer] = ca.copyGroup()
 					}
 				}
+				nasa[stream] = csa
 			}
 		}
+		streams[acc] = nasa
 	}
+	js.mu.RUnlock()
+
+	// Use our copy to traverse so we do not need to hold the js lock.
+	for accName, asa := range streams {
+		acc, err := s.LookupAccount(accName)
+		if err != nil && len(asa) > 0 {
+			health.Status = na
+			health.Error = fmt.Sprintf("JetStream can not lookup account %q: %v", accName, err)
+			return health
+		}
 
+		for stream, sa := range asa {
+			// Make sure we can look up
+			if !js.isStreamHealthy(acc, sa) {
+				health.Status = na
+				health.Error = fmt.Sprintf("JetStream stream '%s > %s' is not current", accName, stream)
+				return health
+			}
+			mset, _ := acc.lookupStream(stream)
+			// Now check consumers.
+			for consumer, ca := range sa.consumers {
+				if !js.isConsumerCurrent(mset, consumer, ca) {
+					health.Status = na
+					health.Error = fmt.Sprintf("JetStream consumer '%s > %s > %s' is not current", acc, stream, consumer)
+					return health
+				}
+			}
+		}
+	}
 	// Success.
 	return health
 }