CHEROKEE COUNTY
Charter #13591 · Rusk, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,860 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 26.74% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 90th percentile but its structural peers at the 70th — a 20-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.46M | 93th pct | 84th pct |
| Members | 4,860 | 96th pct | 87th pct |
| Net worth ratio | 26.74% | 96th pct | 82th pct |
| Return on average assets | 1.25% | 78th pct | 61th pct |
| Net interest margin | 4.57% | 80th pct | 62th pct |
| Cost of funds | 1.13% | 64th pct | 64th pct |
| Loan-to-share | 85.53% | 90th pct | 70th pct |
| Delinquency 60+ days | 1.24% | 73th pct | 70th pct |
| Net charge-off ratio | 0.32% | 63th pct | 72th pct |
| Loan growth YoY | -3.38% | 42th pct | 38th pct |
| Share growth YoY | -15.57% | 0th pct | 2th pct |
| Efficiency ratio | 75.91% | 39th pct | 51th pct |
structural peer set hash: 16e94e625b975eec5508624a4ae75462… (reproducible)
Closest structural peers
This is the free public view
Claim CHEROKEE COUNTY
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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.