CHEROKEE COUNTY
Charter #13591 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
CHEROKEE COUNTY has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 2.7% in tier
- + Asset Growth Rate: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Share Certificate Concentration (%): Bottom 6.0% in tier
- - Net Charge-Off Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,840
+1.5% YoY+0.7% QoQ
|
+2.2K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 15.3% in tier |
| Assets |
$51.4M
+13.0% YoY+3.3% QoQ
|
+$21.5M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 22.2% in tier |
| Loans |
$29.4M
-8.4% YoY-5.1% QoQ
|
+$13.7M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 18.3% in tier |
| Deposits |
$39.4M
+17.4% YoY+4.4% QoQ
|
+$13.9M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 24.8% in tier |
| ROA |
0.4%
-43.2% YoY-49.7% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
30th in tier |
| NIM |
3.8%
-11.1% YoY-1.2% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
46th in tier |
| Efficiency Ratio |
75.2%
+6.5% YoY+7.8% QoQ
|
-6.2% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
42nd in tier |
| Delinquency Rate |
0.5%
+4.4% YoY-38.0% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
40th in tier |
| Loan To Share |
74.7%
-22.0% YoY-9.1% QoQ
|
+13.5% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
70th in tier |
| AMR |
$14,217
+3.3% YoY-0.6% QoQ
|
$-410 |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
53rd in tier |
| CD Concentration |
42.1%
+40.8% YoY+2.5% QoQ
|
+17.7% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
71
Deposit Growth Rate
growth
Value:
17.41%
Peer Avg: 16.80%
#71 of 2596
Top 2.7% in <100M tier
120
Asset Growth Rate
growth
Value:
13.03%
Peer Avg: 1.82%
#120 of 2596
Top 4.6% in <100M tier
352
Net Worth Ratio
risk
Value:
23.29%
Peer Avg: 16.43%
#352 of 2596
Top 13.5% in <100M tier
398
Total Members
engagement
Value:
4,840
Peer Avg: 2,626
#398 of 2596
Top 15.3% in <100M tier
476
Total Loans
balance_sheet
Value:
$29.43M
Peer Avg: $15.77M
#476 of 2596
Top 18.3% in <100M tier
499
Fee Income Per Member
profitability
Value:
$133.55
Peer Avg: $182.96
#499 of 2596
Top 19.2% in <100M tier
519
Member Growth Rate
growth
Value:
1.49%
Peer Avg: 14.92%
#519 of 2596
Top 20.0% in <100M tier
576
Total Assets
balance_sheet
Value:
$51.37M
Peer Avg: $29.86M
#576 of 2596
Top 22.1% in <100M tier
Top Weaknesses (2 metrics)
2441
Share Certificate Concentration (%)
balance_sheet
Value:
42.13%
Peer Avg: 15.37%
#2441 of 2596
Bottom 6.0% in <100M tier
2340
Net Charge-Off Rate
risk
Value:
1.37%
Peer Avg: 0.57%
#2340 of 2596
Bottom 9.9% in <100M tier