CHEROKEE COUNTY TEACHERS
Charter #10269 · RUSK, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.78% sits at the 23rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.58% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 15th percentile but its structural peers at the 44th — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CHEROKEE COUNTY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.69M | 15th pct | 44th pct |
| Members | 1,746 | 35th pct | 61th pct |
| Net worth ratio | 20.63% | 87th pct | 64th pct |
| Return on average assets | 0.81% | 58th pct | 57th pct |
| Net interest margin | 3.78% | 46th pct | 23th pct |
| Cost of funds | 0.99% | 58th pct | 54th pct |
| Loan-to-share | 88.34% | 93th pct | 74th pct |
| Delinquency 60+ days | 1.58% | 79th pct | 87th pct |
| Net charge-off ratio | 0.11% | 48th pct | 62th pct |
| Loan growth YoY | -6.06% | 23th pct | 18th pct |
| Share growth YoY | -0.14% | 25th pct | 28th pct |
| Efficiency ratio | 82.19% | 55th pct | 52th pct |
structural peer set hash: fcf4df8ce8022afe029b8794f37e8e44… (reproducible)
Closest structural peers
This is the free public view
Claim CHEROKEE COUNTY TEACHERS
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.