Side-by-side · Q2 2026 data
First Texas National Bank vs Texoma Educators Federal Credit Union
Credit union
Texoma Educators Federal Credit Union
Sherman, Texas · $100 million – $1 billion
Metric by metric
| Measure | First Texas National Bank | Texoma Educators Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 87 (stronger) |
| Capital cushion | 47 | 98 (stronger) |
| Loan quality | 100 (stronger) | 68 |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 64th | 91st |
| Total assets | $216.9M | $128.1M |
| Deposits / shares | $195.3M | $108.5M |
| Capital ratio | 9.69% | 14.82% (stronger) |
| Problem loans | 0.00% (stronger) | 0.96% |
| Net charge-offs | 0.02% (stronger) | 0.12% |
| Return on assets | 2.89% (stronger) | 1.54% |
| Loans ÷ deposits | 96.3% | 47.1% (stronger) |
| Uninsured deposits | 25.4% | 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 76). On the 7 directional measures above (where higher or lower is clearly better), First Texas National Bank leads on 3 and Texoma Educators Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.