Side-by-side · Q2 2026 data
Community National Bank & Trust of Texas vs Texoma Educators Federal Credit Union
Credit union
Texoma Educators Federal Credit Union
Sherman, Texas · $100 million – $1 billion
Metric by metric
| Measure | Community National Bank & Trust of Texas | Texoma Educators Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 87 (stronger) |
| Capital cushion | 56 | 98 (stronger) |
| Loan quality | 97 (stronger) | 68 |
| Earnings | 87 (stronger) | 82 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 80th | 91st |
| Total assets | $1.7B | $128.1M |
| Deposits / shares | $1.4B | $108.5M |
| Capital ratio | 10.62% | 14.82% (stronger) |
| Problem loans | 0.09% (stronger) | 0.96% |
| Net charge-offs | 0.08% (stronger) | 0.12% |
| Return on assets | 1.66% (stronger) | 1.54% |
| Loans ÷ deposits | 83.1% | 47.1% (stronger) |
| Uninsured deposits | 37.8% | 5.4% (stronger) |
| Offices | 17 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
Texoma Educators Federal Credit Union has the higher TellerScore (87 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Community National Bank & Trust of Texas leads on 3 and Texoma Educators Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.