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
- HEALTH 91/100
- NW 26.7%
- DELQ 0.86%
- ROA 0.35%
- ASSETS $45.0M
- MEM 4,871
- RANK #866/4,374
- PHOTO Kemba Charleston
- BOOK 13591
Call Report peers
Cherokee County in the assets neighbourhood
Cherokee County's $45.0M assets sit next to Kemba Charleston ($45.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Cherokee County - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #13591, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Cherokee County
Cherokee County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $45.0M (2025Q4) to $45.5M (2026Q1).
- Net-worth ratio shifted +0.02 pp (26.72% → 26.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cherokee County's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($45.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Cherokee County financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Cherokee County carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #866 of 4,374; by total assets it ranks #2,489 of 4,374 nationally (same basis as /rankings/largest); and #198 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 26.74% net worth ratio and a 0.86% delinquency rate.
How does Cherokee County compare to other credit unions?
Five weighted metrics from NCUA filings produce Cherokee County's 91/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Cherokee County are 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."
What rates does Cherokee County offer compared to banks?
Credit unions like Cherokee County are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Cherokee County directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.