BlastPoint's Credit Union Scorecard
CHEROKEE COUNTY TEACHERS
Charter #10269 · TX
CHEROKEE COUNTY TEACHERS has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Loan-to-Share Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.58% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +3.8% year over year ($11.2M in shares and deposits).
- Membership: 1,721 members, -1.9% vs a year ago.
- Delinquency rate 2.13%.
- Return on assets 1.73%.
- Efficiency ratio 85.01% vs a 88.77% peer average.
- Loan-to-share ratio 89.90% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,721
-1.9% YoY-1.4% QoQ
|
-864 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$13.9M
+3.3% YoY+1.7% QoQ
|
$-16.4M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$10.0M
-1.1% YoY+4.0% QoQ
|
$-5.4M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$11.2M
+3.8% YoY+2.2% QoQ
|
$-14.6M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
1.7%
+260.7% YoY+115.7% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 14.2% in tier |
| NIM |
3.8%
+0.6% YoY-0.2% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
85.0%
+2.0% YoY+3.4% QoQ
|
-3.8% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
2.1%
+8.0% YoY+34.9% QoQ
|
+0.6 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
80% |
| Loan To Share |
89.9%
-4.7% YoY+1.8% QoQ
|
+31.0% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 9.4% in tier |
| AMR |
$12,316
+3.4% YoY+4.6% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
23.8%
+16.1% YoY+12.4% QoQ
|
-0.7% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)