Side-by-side · Q2 2026 data
Cherokee County Teachers Federal Credit Union vs Refugio County Federal Credit Union
Credit union
Cherokee County Teachers Federal Credit Union
Rusk, Texas · Under $100 million in assets
Credit union
Refugio County Federal Credit Union
Refugio, Texas · Under $100 million in assets
Metric by metric
| Measure | Cherokee County Teachers Federal Credit Union | Refugio County Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 29 | 86 (stronger) |
| Earnings | 0 | 53 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 16th | 83rd |
| Total assets | $13.9M | $14.2M |
| Deposits / shares | $11.2M | $11.9M |
| Capital ratio | 20.02% (stronger) | 16.36% |
| Problem loans | 2.13% | 0.42% (stronger) |
| Net charge-offs | 0.21% | 0.00% (stronger) |
| Return on assets | -1.72% | 0.81% (stronger) |
| Loans ÷ deposits | 89.9% | 41.0% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Refugio County Federal Credit Union has the higher TellerScore (87 vs 56). On the 6 directional measures above (where higher or lower is clearly better), Cherokee County Teachers Federal Credit Union leads on 1 and Refugio County Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.