Side-by-side · Q2 2026 data
Cherokee County Teachers Federal Credit Union vs Central Texas Teachers Credit Union
Credit union
Cherokee County Teachers Federal Credit Union
Rusk, Texas · Under $100 million in assets
Credit union
Central Texas Teachers Credit Union
Corsicana, Texas · Under $100 million in assets
Metric by metric
| Measure | Cherokee County Teachers Federal Credit Union | Central Texas Teachers Credit Union |
|---|---|---|
| TellerScore | 56 | 77 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 29 | 100 (stronger) |
| Earnings | 0 | 0 |
| Funding & liquidity | 70 | 78 (stronger) |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 16th | 57th |
| Total assets | $13.9M | $13.7M |
| Deposits / shares | $11.2M | $11.5M |
| Capital ratio | 20.02% (stronger) | 15.91% |
| Problem loans | 2.13% | 0.00% (stronger) |
| Net charge-offs | 0.21% (stronger) | 0.50% |
| Return on assets | -1.72% | -0.50% (stronger) |
| Loans ÷ deposits | 89.9% | 82.2% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.2% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Texas Teachers Credit Union has the higher TellerScore (77 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Cherokee County Teachers Federal Credit Union leads on 3 and Central Texas Teachers Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.