PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cherokee County

Rusk, TX · Charter 13591

NCUA · 2 branches

Q2 2026

$44.8MAssets
$27.6MLoans
$32.6MShares
$12.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.98%, up 27 bps year over year; NIM at 4.68%.
  • Asset quality: problem loans at 1.11% of loans (+37 bps YoY).
  • Capital: net worth / assets of 27.28%, up 311 bps from a year ago.
  • Funding: loans stand at 84.66% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%+27 bps YoY

Net Interest Margin (YTD, annualized)

4.68%+82 bps YoY

Efficiency Ratio (YTD, annualized)

73.41%+371 bps YoY

Net Worth / Assets

27.28%+311 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.35%0.58%1.24%0.98%+27 bps
Return on Equity2.91%1.50%2.17%4.65%3.58%+67 bps
Net Interest Margin3.85%3.75%4.39%4.54%4.68%+82 bps
Efficiency Ratio69.70%75.16%76.59%75.91%73.41%+371 bps
Growth
Asset Growth (YoY)7.65%13.03%-8.55%-8.55%-9.87%-1,751 bps
Loan Growth (YoY)-7.11%-8.37%-6.78%-10.79%-11.15%-404 bps
Share Growth (YoY)9.96%17.41%-11.94%-11.97%-13.73%-2,369 bps
Asset Quality
Delinquent Loans / Loans0.74%0.46%0.86%1.24%1.11%+37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital24.18%23.33%26.72%26.74%27.28%+311 bps
Net Worth / Assets24.18%23.33%26.72%26.74%27.28%+311 bps
Liquidity & Funding
Loans / Shares82.20%74.74%89.06%85.53%84.66%+246 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps