Federal credit union · RUSK, Texas · NCUA charter #10269
Cherokee County Teachers
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $13.6M
- Total assets
- 1,776
- Members
- 20.6%
- Net-worth ratio
Cherokee County Teachers scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.6M; members 1,776; net-worth ratio 20.63%; health rank #3,146 of 4,374; healthier than 26th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,146 of 4,374 health · 2025Q4Cherokee County Teachers · health 76/100 · $13.6M · 2025Q4
Call Report peers
Cherokee County Teachers 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 Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cherokee County Teachers sits in 75-79 with 502 others.
76 26th percentile higher than 26% 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 Teachers vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 92.71% here, 59.80% peer average (+32.91 pp).
- Delinquency Rate trails the peer set - 1.93% here, 1.15% peer average (+0.79 pp).
Cherokee County Teachers in Texas
- In Texas, health place is #277 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #284 of 386 inside Texas ($13.6M reported).
- Texas membership ordinal: #268 of 386.
- One place up in Texas, The Local (#276) ties at 76/100; one place down, PECO (#278) ties at 76/100.
Quarter path for Cherokee County Teachers
Cherokee County Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $13.6M (2025Q4) to $13.7M (2026Q1).
- Net-worth ratio shifted -0.01 pp (20.64% → 20.63%).
20.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Cherokee County Teachers gives up 24 points in total. Delinquency Rate costs the most, 12 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.0 pts
- Return on Assets 13.7 pts
- Member Growth 5.6 pts
- Loan-to-Share Ratio 13.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.63% | +5.77 pp |
| Delinquency Rate | 1.93% | +0.79 pp |
| Return on Assets | 0.42% | -0.29 pp |
| Member Growth | -1.88% | - |
| Loan-to-Share Ratio | 92.71% | +32.91 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Cherokee County Teachers filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.7M | - |
| 2025Q4 | $13.6M | 1,776 |
| 2024Q4 | $14.5M | 1,810 |
| 2023Q4 | $13.9M | 1,900 |
Credit Union Details
- Charter Number
- 10269
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- RUSK
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Cherokee County Teachers.
| Office | City |
|---|---|
| CHEROKEE COUNTY TEACHERS FCU (Main Office) | RUSK, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
- MORRIS SHEPPARD TEXARKANATEXARKANA, TX · $10M–$50M90Health
- LOCAL 24 EMPLOYEESPasadena, TX · $10M–$50M92Health
- REFUGIO COUNTYRefugio, TX · $10M–$50M86Health
- COASTAL BEND P OVictoria, TX · $10M–$50M65Health
- CENTRAL TEXAS TEACHERSCorsicana, TX · $10M–$50M91Health
Compare Cherokee County Teachers vs MORRIS SHEPPARD TEXARKANA
Cross-state Call Report peers for Cherokee County Teachers
Similar total assets
Using this data
- Cherokee County Teachers ranks #3,146 of 4,374 nationally on financial health and #277 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Morris Sheppard Texarkana is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Morris Sheppard Texarkana
Frequently Asked Questions
Is Cherokee County Teachers financially healthy?
Cherokee County Teachers has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,146 of 4,374 nationally on health and #277 of 386 in Texas. Its net worth ratio is 20.63% and its delinquency rate 1.93%.
How does Cherokee County Teachers compare to other credit unions?
Cherokee County Teachers scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (92.71% vs 59.80%). Its widest shortfall is delinquency rate (1.93% vs 1.15%).
How can I join Cherokee County Teachers?
Cherokee County Teachers 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 Teachers directly for the exact boundaries and application steps.
Is my money safe at Cherokee County Teachers?
Cherokee County Teachers 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 Teachers's net worth ratio of 20.63% 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.