TellerScore

Cherokee County Teachers Federal Credit Union is a federal credit union headquartered in Rusk, Texas, in business for about 71 years. At the end of Q2 2026 it reported $13.9M in total assets and $11.2M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Cherokee County Teachers Federal Credit Union scores 56/100, which we describe as moderate. That is higher than only 16% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 327th. Its strongest component is capital cushion (100/100; 20.02%), and its lowest is earnings (0/100; -1.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.02%
Loan quality29/100
Loans 60+ days delinquent ÷ total loans: 2.13%
Earnings0/100
Return on assets (annualized): -1.72%
Funding & liquidity70/100
Loans ÷ shares: 89.9% · 0.0% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.67%

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

From Q2 2025 to Q2 2026, the score fell 9 points (65 → 56), mostly because the earnings component weakened by 40 points.

TellerScore
566880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202479
Q4 202468
Q1 202567
Q2 202565
Q3 202558
Q4 202565
Q1 202672
Q2 202656
Net worth ratio
7.00%13.84%20.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.87%
Q3 202418.75%
Q4 202418.96%
Q1 202519.15%
Q2 202520.68%
Q3 202520.45%
Q4 202520.64%
Q1 202620.63%
Q2 202620.02%
Delinquent loans (60+ days)
0.49%1.59%2.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.53%
Q3 20240.49%
Q4 20241.59%
Q1 20251.73%
Q2 20251.97%
Q3 20252.69%
Q4 20251.93%
Q1 20261.58%
Q2 20262.13%
Return on assets
-1.72%-0.46%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.54%
Q4 20240.39%
Q1 20250.38%
Q2 20250.50%
Q3 20250.42%
Q4 20250.44%
Q1 20260.80%
Q2 2026-1.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$13.9M20.02%2.13%-1.72%89.9%
Q1 202672$13.7M20.63%1.58%0.80%88.3%
Q4 202565$13.6M20.64%1.93%0.44%92.7%
Q3 202558$13.7M20.45%2.69%0.42%93.9%
Q2 202565$13.5M20.68%1.97%0.50%94.3%
Q1 202567$14.5M19.15%1.73%0.38%87.9%
Q4 202468$14.5M18.96%1.59%0.39%90.9%
Q3 202479$14.8M18.75%0.49%0.54%88.2%
Q2 202480$14.6M18.87%0.53%0.61%87.1%

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 ratio20.02%
77th
Problem loans2.13%
19th
Net charge-offs0.21%
46th
Return on assets-1.72%
4th
Loans to deposits89.9%
9th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio7.7%
19th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Central Texas Teachers Credit UnionCredit union Corsicana, TX77 out of 100, Strong$13.7M15.9%0.00%vs
Friona Texas Federal Credit UnionCredit union Friona, TX49 out of 100, Below average$14.1M14.7%12.40%vs
Refugio County Federal Credit UnionCredit union Refugio, TX87 out of 100, Very strong$14.2M16.4%0.42%vs
Local 24 Employees Federal Credit UnionCredit union Pasadena, TX98 out of 100, Very strong$13.6M21.0%0.26%vs
Alpine Community Credit UnionCredit union Alpine, TX86 out of 100, Very strong$14.5M16.6%0.39%vs
Scurry County School Federal Credit UnionCredit union Snyder, TX71 out of 100, Strong$13.2M13.9%0.53%vs

Deposit insurance

Is my money safe at Cherokee County Teachers Federal Credit Union?

Yes. Cherokee County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #10269). 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 0.0% of shares and deposits ($0) 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 20.02%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Cherokee County Teachers Federal Credit Union lists 1 office in 1 city. Most locations:

  • Rusk, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Cherokee County Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
10269
RSSD ID
846888
Primary regulator
NCUA
Established
1955
Headquarters
P O Drawer a, Rusk, TX 75785
Employees
5

Quick answers

Cherokee County Teachers Federal Credit Union: common questions

Is Cherokee County Teachers Federal Credit Union NCUA insured?

Yes. Cherokee County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #10269). 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 Teachers Federal Credit Union's TellerScore?

56 out of 100 (Moderate), 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 Teachers Federal Credit Union have?

1 office 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
Cherokee County Federal Credit UnionCredit union Rusk, TX78 out of 100, Strong$44.8M27.3%1.11%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