Side-by-side · Q2 2026 data
Anderson County Federal Credit Union vs Cherokee County Teachers Federal Credit Union
Credit union
Anderson County Federal Credit Union
Palestine, Texas · Under $100 million in assets
Credit union
Cherokee County Teachers Federal Credit Union
Rusk, Texas · Under $100 million in assets
Metric by metric
| Measure | Anderson County Federal Credit Union | Cherokee County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 56 |
| Capital cushion | 100 | 100 |
| Loan quality | 23 | 29 (stronger) |
| Earnings | 89 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 91 (stronger) | 85 |
| Peer percentile | 59th | 16th |
| Total assets | $27.3M | $13.9M |
| Deposits / shares | $22.6M | $11.2M |
| Capital ratio | 17.24% | 20.02% (stronger) |
| Problem loans | 2.32% | 2.13% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.21% |
| Return on assets | 1.73% (stronger) | -1.72% |
| Loans ÷ deposits | 40.2% (stronger) | 89.9% |
| Uninsured deposits | 10.5% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Anderson County Federal Credit Union has the higher TellerScore (78 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Anderson County Federal Credit Union leads on 4 and Cherokee County Teachers Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Rusk, TX