Cherokee County
Rusk, TX · Charter 13591 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$44.8MAssets
$27.6MLoans
$32.6MShares
$12.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 91% of credit unions under $1B in assets in TX (rank 21 of 235).
- Widest gap: nonperforming loans / loans trails 74% of credit unions under $1B in assets in TX (rank 175 of 235).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.98%
Rank 69 of 235
Net Interest Margin
4.68%
Rank 35 of 235
Efficiency Ratio
73.37%
Rank 70 of 235
Equity / Assets
27.28%
Rank 21 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.17% | 0.57% | 1.10% | Beats 71% | 69 / 235 | |
| Return on Equity | 3.58% | 1.03% | 4.30% | 7.58% | Beats 44% | 131 / 235 | |
| Net Interest Margin | 4.68% | 3.32% | 3.89% | 4.35% | Beats 85% | 35 / 235 | |
| Efficiency Ratio | 73.37% | 70.60% | 82.00% | 91.57% | Beats 71% | 70 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.20% | 0.59% | 1.14% | Beats 26% | 175 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 27.28% | 11.30% | 14.41% | 19.49% | Beats 91% | 21 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 27.28% | 11.30% | 14.41% | 19.49% | Beats 91% | 21 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 84.66% | 54.18% | 67.38% | 81.66% | 78th pctl | 52 / 235 | |
| Loans / Assets | 61.46% | 43.80% | 56.63% | 68.64% | 61st pctl | 92 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |