Side-by-side · Q2 2026 data
First Texoma 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 Texoma National Bank | Texoma Educators Federal Credit Union |
|---|---|---|
| TellerScore | 50 | 87 (stronger) |
| Capital cushion | 66 | 98 (stronger) |
| Loan quality | 0 | 68 (stronger) |
| Earnings | 66 | 82 (stronger) |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 57 | 95 (stronger) |
| Peer percentile | 7th | 91st |
| Total assets | $225.4M | $128.1M |
| Deposits / shares | $202.3M | $108.5M |
| Capital ratio | 11.60% | 14.82% (stronger) |
| Problem loans | 3.38% | 0.96% (stronger) |
| Net charge-offs | 0.23% | 0.12% (stronger) |
| Return on assets | 1.14% | 1.54% (stronger) |
| Loans ÷ deposits | 74.2% | 47.1% (stronger) |
| Uninsured deposits | 22.9% | 5.4% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | — |
Texoma Educators Federal Credit Union has the higher TellerScore (87 vs 50). On the 7 directional measures above (where higher or lower is clearly better), First Texoma National Bank leads on 0 and Texoma Educators Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.