BlastPoint's Credit Union Scorecard
CHEROKEE COUNTY
Charter #13591 · TX
CHEROKEE COUNTY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.10% above tier average
- + Net Interest Margin 0.53% above tier average
- + Net Worth Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 4.6% in tier
- - Deposit Growth Rate: Bottom 4.7% in tier
- - Asset Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,860
+1.4% YoY-0.2% QoQ
|
+2.2K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 14.3% in tier |
| Assets |
$45.5M
-8.5% YoY+1.1% QoQ
|
+$15.3M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
74% |
| Loans |
$28.4M
-10.8% YoY-2.9% QoQ
|
+$13.2M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
82% |
| Deposits |
$33.2M
-12.0% YoY+1.1% QoQ
|
+$7.5M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
1.2%
+77.4% YoY+129.9% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
4.5%
+22.3% YoY+10.8% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
75.9%
+9.9% YoY-0.9% QoQ
|
-14.7% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
36% |
| Delinquency Rate |
1.2%
+219.8% YoY+43.8% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
85.5%
+1.3% YoY-4.0% QoQ
|
+27.0% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 11.9% in tier |
| AMR |
$12,693
-12.7% YoY-0.6% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration |
30.1%
-26.4% YoY-5.3% QoQ
|
+5.9% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)