Side-by-side · Q2 2026 data
First United Bank and Trust Company vs Texoma Educators Federal Credit Union
Credit union
Texoma Educators Federal Credit Union
Sherman, Texas · $100 million – $1 billion
Metric by metric
| Measure | First United Bank and Trust Company | Texoma Educators Federal Credit Union |
|---|---|---|
| TellerScore | 50 | 87 (stronger) |
| Capital cushion | 48 | 98 (stronger) |
| Loan quality | 44 | 68 (stronger) |
| Earnings | 57 | 82 (stronger) |
| Funding & liquidity | 41 | 100 (stronger) |
| Problem-loan coverage | 70 | 95 (stronger) |
| Peer percentile | 11th | 91st |
| Total assets | $16.6B | $128.1M |
| Deposits / shares | $13.3B | $108.5M |
| Capital ratio | 9.80% | 14.82% (stronger) |
| Problem loans | 1.69% | 0.96% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.12% |
| Return on assets | 0.92% | 1.54% (stronger) |
| Loans ÷ deposits | 95.0% | 47.1% (stronger) |
| Uninsured deposits | 36.5% | 5.4% (stronger) |
| Offices | 74 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.1% | — |
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 United Bank and Trust Company leads on 1 and Texoma Educators Federal Credit Union on 6. 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.