Cherokee County Teachers
Rusk, TX · Charter 10269 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$13.9MAssets
$10.0MLoans
$11.2MShares
$2.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 76% of credit unions under $1B in assets in TX (rank 56 of 235).
- Widest gap: return on assets trails 98% of credit unions under $1B in assets in TX (rank 230 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-1.72%
Rank 230 of 235
Net Interest Margin
3.72%
Rank 136 of 235
Efficiency Ratio
85.25%
Rank 143 of 235
Equity / Assets
20.02%
Rank 56 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.72% | 0.17% | 0.57% | 1.10% | Beats 2% | 230 / 235 | | |
| Return on Equity | -8.61% | 1.03% | 4.30% | 7.58% | Beats 4% | 226 / 235 | | |
| Net Interest Margin | 3.72% | 3.32% | 3.89% | 4.35% | Beats 42% | 136 / 235 | | |
| Efficiency Ratio | 85.25% | 70.60% | 82.00% | 91.57% | Beats 40% | 143 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.13% | 0.20% | 0.59% | 1.14% | Beats 12% | 208 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.02% | 11.30% | 14.41% | 19.49% | Beats 76% | 56 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.02% | 11.30% | 14.41% | 19.49% | Beats 76% | 56 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.89% | 54.18% | 67.38% | 81.66% | 87th pctl | 30 / 235 | | |
| Loans / Assets | 72.05% | 43.80% | 56.63% | 68.64% | 80th pctl | 46 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |