Side-by-side · Q2 2026 data
Fannin Bank vs Texoma Educators Federal Credit Union
Credit union
Texoma Educators Federal Credit Union
Sherman, Texas · $100 million – $1 billion
Metric by metric
| Measure | Fannin Bank | Texoma Educators Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 87 (stronger) |
| Capital cushion | 36 | 98 (stronger) |
| Loan quality | 65 | 68 (stronger) |
| Earnings | 79 | 82 (stronger) |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 85 | 95 (stronger) |
| Peer percentile | 29th | 91st |
| Total assets | $159.1M | $128.1M |
| Deposits / shares | $147.1M | $108.5M |
| Capital ratio | 8.60% | 14.82% (stronger) |
| Problem loans | 1.04% | 0.96% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.12% |
| Return on assets | 1.46% | 1.54% (stronger) |
| Loans ÷ deposits | 55.2% | 47.1% (stronger) |
| Uninsured deposits | 22.0% | 5.4% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texoma Educators Federal Credit Union has the higher TellerScore (87 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Fannin Bank leads on 1 and Texoma Educators Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.