Side-by-side · Q2 2026 data
Citizens 1st Bank vs Cherokee County Teachers Federal Credit Union
Credit union
Cherokee County Teachers Federal Credit Union
Rusk, Texas · Under $100 million in assets
Metric by metric
| Measure | Citizens 1st Bank | Cherokee County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 56 |
| Capital cushion | 100 | 100 |
| Loan quality | 82 (stronger) | 29 |
| Earnings | 89 (stronger) | 0 |
| Funding & liquidity | 34 | 70 (stronger) |
| Problem-loan coverage | 96 (stronger) | 85 |
| Peer percentile | 84th | 16th |
| Total assets | $811.0M | $13.9M |
| Deposits / shares | $615.5M | $11.2M |
| Capital ratio | 20.52% (stronger) | 20.02% |
| Problem loans | 0.53% (stronger) | 2.13% |
| Net charge-offs | 0.26% | 0.21% (stronger) |
| Return on assets | 1.71% (stronger) | -1.72% |
| Loans ÷ deposits | 77.8% (stronger) | 89.9% |
| Uninsured deposits | 58.3% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Citizens 1st Bank has the higher TellerScore (83 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Citizens 1st Bank leads on 5 and Cherokee County Teachers 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
- Rusk, TX