Side-by-side · Q2 2026 data
Cendera Bank vs Texoma Educators Federal Credit Union
Credit union
Texoma Educators Federal Credit Union
Sherman, Texas · $100 million – $1 billion
Metric by metric
| Measure | Cendera Bank | Texoma Educators Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 87 (stronger) |
| Capital cushion | 63 | 98 (stronger) |
| Loan quality | 88 (stronger) | 68 |
| Earnings | 35 | 82 (stronger) |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 26th | 91st |
| Total assets | $257.6M | $128.1M |
| Deposits / shares | $228.5M | $108.5M |
| Capital ratio | 11.25% | 14.82% (stronger) |
| Problem loans | 0.37% (stronger) | 0.96% |
| Net charge-offs | -0.01% (stronger) | 0.12% |
| Return on assets | 0.37% | 1.54% (stronger) |
| Loans ÷ deposits | 87.1% | 47.1% (stronger) |
| Uninsured deposits | 38.5% | 5.4% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texoma Educators Federal Credit Union has the higher TellerScore (87 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Cendera Bank leads on 2 and Texoma Educators Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.