Side-by-side · Q2 2026 data
Citizens 1st Bank vs Cherokee County Federal Credit Union
Metric by metric
| Measure | Citizens 1st Bank | Cherokee County Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 78 |
| Capital cushion | 100 | 100 |
| Loan quality | 82 (stronger) | 63 |
| Earnings | 89 (stronger) | 59 |
| Funding & liquidity | 34 | 76 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 84th | 59th |
| Total assets | $811.0M | $44.8M |
| Deposits / shares | $615.5M | $32.6M |
| Capital ratio | 20.52% | 27.28% (stronger) |
| Problem loans | 0.53% (stronger) | 1.11% |
| Net charge-offs | 0.26% (stronger) | 1.08% |
| Return on assets | 1.71% (stronger) | 0.98% |
| Loans ÷ deposits | 77.8% (stronger) | 84.7% |
| Uninsured deposits | 58.3% | 1.4% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Citizens 1st Bank has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Citizens 1st Bank leads on 5 and Cherokee County Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Jacksonville, TX
- Rusk, TX