Cherokee County Teachers

RUSK, TX · 1 · Charter #10269 · WWW.CCTEACHERS.COM
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$13.6M
50th percentile
Members
1,776
60th percentile
Total loans
$10.0M
66th percentile
Total shares
$10.8M
49th percentile

Profitability

Return on assets
0.85%
52th percentile
Net interest margin
3.95%
49th percentile
Efficiency ratio
69.75%
43th percentile
Non-interest income ratio
13.44%
64th percentile

Capital & Risk

Net worth ratio
20.64%
76th percentile
Delinquency rate
1.93%
25th percentile
Net charge-off rate
0.52%
31th percentile
Loan-to-share
92.71%
89th percentile

Growth

Member growth YoY
-1.88%
45th percentile
Asset growth YoY
-6.57%
11th percentile
Loan growth YoY
-7.08%
33th percentile
Share growth YoY
-8.91%
10th percentile

Operations

Members / branch
1,776
73th percentile
Assets / member
$7,645
36th percentile
Field of membership penetration
35.52%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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