BlastPoint's Credit Union Scorecard
CHEROKEE COUNTY
Charter #13591 · TX
CHEROKEE COUNTY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.15% above tier average
- + Net Worth Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Deposit Growth Rate: Bottom 4.9% in tier
- - AMR Growth Rate: Bottom 5.0% in tier
- - Asset Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,871
+2.1% YoY+0.6% QoQ
|
+2.3K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 14.7% in tier |
| Assets |
$45.0M
-8.5% YoY-12.5% QoQ
|
+$14.8M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$29.3M
-6.8% YoY-0.5% QoQ
|
+$13.5M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$32.9M
-11.9% YoY-16.5% QoQ
|
+$7.2M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.5%
+61.6% YoY+52.6% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
4.1%
+0.6% YoY+7.6% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
76.6%
+1.5% YoY+1.9% QoQ
|
-6.0% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.9%
+105.5% YoY+88.1% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
89.1%
+5.9% YoY+19.2% QoQ
|
+28.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 10.8% in tier |
| AMR |
$12,766
-11.5% YoY-10.2% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
31.8%
-24.4% YoY-24.4% QoQ
|
+7.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)