Federal credit union · Rusk, Texas · NCUA charter #13591
Cherokee County
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $45.0M
- Total assets
- 4,871
- Members
- 26.7%
- Net-worth ratio
Cherokee County scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.0M; members 4,871; net-worth ratio 26.74%; health rank #866 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#866 of 4,374 health · 2025Q4Cherokee County · health 91/100 · $45.0M · 2025Q4
Call Report peers
Cherokee County in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cherokee County vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cherokee County sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Cherokee County
- Loan-to-Share Ratio leads the peer set - 89.06% here, 59.80% peer average (+29.26 pp).
- Return on Assets trails the peer set - 0.35% here, 0.70% peer average (-0.35 pp).
Cherokee County: in-state Call Report ranks
- Texas health ordinal: #79 of 386.
- Texas assets place: #198 of 386.
- Member book place in Texas: #178 of 386.
- One place up in Texas, NAVARRO (#78) ties at 91/100; one place down, Highway District 9 (#80) ties at 91/100.
Quarter path for Cherokee County
Cherokee County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $45.0M (2025Q4) to $45.5M (2026Q1).
- Net-worth ratio shifted +0.02 pp (26.72% → 26.74%).
26.74% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Cherokee County gives up 9 points in total. Delinquency Rate costs the most, 3.6 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.4 pts
- Return on Assets 12.8 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.74% | +11.88 pp |
| Delinquency Rate | 0.86% | -0.28 pp |
| Return on Assets | 0.35% | -0.35 pp |
| Member Growth | 2.14% | - |
| Loan-to-Share Ratio | 89.06% | +29.26 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.5M | - |
| 2025Q4 | $45.0M | 4,871 |
| 2024Q4 | $49.2M | 4,769 |
| 2023Q4 | $46.7M | 4,820 |
Credit Union Details
- Charter Number
- 13591
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Rusk
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Cherokee County, spread across 2 cities.
| Office | City |
|---|---|
| Cherokee County Federal Credit Union (Main Office) | Rusk, TX |
| CHEROKEE COUNTY FEDERAL CREDIT UNION | JACKSONVILLE, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cherokee County nationwide neighbourhoods
Using this data
- Cherokee County ranks #866 of 4,374 nationally on financial health and #79 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Starr County Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Starr County Teachers
Frequently Asked Questions
Is Cherokee County financially healthy?
On its 2025Q4 NCUA 5300 filing, Cherokee County scores 91/100 (Excellent), with a 26.74% net worth ratio and 0.86% of loans delinquent. It ranks #866 of 4,374 nationally on health and #79 of 386 in Texas.
How does Cherokee County compare to other credit unions?
Cherokee County scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (89.06% vs 59.80%). Its widest shortfall is return on assets (0.35% vs 0.70%).
How can I join Cherokee County?
Cherokee County operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Cherokee County directly for the exact boundaries and application steps.
Is my money safe at Cherokee County?
Cherokee County is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Cherokee County's net worth ratio of 26.74% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.