TellerScore

Headquartered in Rusk, Texas, Cherokee County Federal Credit Union is a federal credit union with $44.8M in total assets and $32.6M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1960.

Cherokee County Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 59% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 136th. Capital cushion contributes the most (100/100, 27.28%); earnings contributes the least (59/100, 0.98%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 27.28%
Loan quality63/100
Loans 60+ days delinquent ÷ total loans: 1.11%
Earnings59/100
Return on assets (annualized): 0.98%
Funding & liquidity76/100
Loans ÷ shares: 84.7% · 1.4% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.54%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 78).

TellerScore
778082Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202480
Q4 202479
Q1 202582
Q2 202579
Q3 202580
Q4 202577
Q1 202679
Q2 202678
Net worth ratio
7.00%17.14%27.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202425.86%
Q3 202426.31%
Q4 202424.06%
Q1 202523.97%
Q2 202524.13%
Q3 202523.29%
Q4 202526.72%
Q1 202626.74%
Q2 202627.28%
Delinquent loans (60+ days)
0.39%0.82%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.66%
Q3 20240.44%
Q4 20240.42%
Q1 20250.39%
Q2 20250.74%
Q3 20250.46%
Q4 20250.86%
Q1 20261.24%
Q2 20261.11%
Return on assets
0.32%0.78%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.63%
Q4 20240.32%
Q1 20250.70%
Q2 20250.70%
Q3 20250.35%
Q4 20250.58%
Q1 20261.24%
Q2 20260.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$44.8M27.28%1.11%0.98%84.7%
Q1 202679$45.5M26.74%1.24%1.24%85.5%
Q4 202577$45.0M26.72%0.86%0.58%89.1%
Q3 202580$51.4M23.29%0.46%0.35%74.7%
Q2 202579$49.8M24.13%0.74%0.70%82.2%
Q1 202582$49.7M23.97%0.39%0.70%84.4%
Q4 202479$49.2M24.06%0.42%0.32%84.1%
Q3 202480$45.5M26.31%0.44%0.63%95.8%
Q2 202480$46.2M25.86%0.66%0.90%97.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio27.28%
92nd
Problem loans1.11%
36th
Net charge-offs1.08%
13th
Return on assets0.98%
67th
Loans to deposits84.7%
14th
Uninsured deposits1.4%
50th
Loan-loss reserves0.00%
37th
Texas ratio2.5%
47th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Cabot Community Credit UnionCredit union Pampa, TX84 out of 100, Strong$45.3M15.9%1.16%vs
Hockley County Credit UnionCredit union Levelland, TX63 out of 100, Moderate$45.4M9.4%0.65%vs
Mountain Star Federal Credit UnionCredit union El Paso, TX83 out of 100, Strong$46.5M18.4%0.70%vs
Travis County Credit UnionCredit union Austin, TX49 out of 100, Below average$42.7M9.4%2.24%vs
Bcm Federal Credit UnionCredit union Houston, TX81 out of 100, Strong$42.7M12.6%0.51%vs
Starr County Teachers Federal Credit UnionCredit union Rio Grande City, TX93 out of 100, Very strong$47.4M16.9%0.51%vs

Deposit insurance

Is my money safe at Cherokee County Federal Credit Union?

Yes. Cherokee County Federal Credit Union is a federally insured credit union (NCUA charter #13591). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.4% of shares and deposits ($455K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 27.28%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Cherokee County Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Cherokee County Federal Credit Union
Type
Federal credit union
NCUA charter #
13591
RSSD ID
236685
Primary regulator
NCUA
Established
1960
Headquarters
144 N Henderson St, Rusk, TX 75785
Employees
16

Quick answers

Cherokee County Federal Credit Union: common questions

Is Cherokee County Federal Credit Union NCUA insured?

Yes. Cherokee County Federal Credit Union is a federally insured credit union (NCUA charter #13591). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Cherokee County Federal Credit Union's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Cherokee County Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rusk

InstitutionScoreAssetsCapitalProblem loansCompare
Trinity Valley Teachers Credit UnionCredit union Palestine, TX91 out of 100, Very strong$31.6M31.3%0.59%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Citizens 1st BankBank Tyler, TX83 out of 100, Strong$811.0M20.5%0.53%vs
Anderson County Federal Credit UnionCredit union Palestine, TX78 out of 100, Strong$27.3M17.2%2.32%vs
Commercial Bank of Texas, National AssociationBank Nacogdoches, TX77 out of 100, Strong$1.7B10.6%0.14%vs
Southside BankBank Tyler, TX75 out of 100, Strong$8.8B11.4%0.19%vs