Side-by-side · Q2 2026 data
Laredo Federal Credit Union vs Texoma Educators Federal Credit Union
Credit union
Texoma Educators Federal Credit Union
Sherman, Texas · $100 million – $1 billion
Metric by metric
| Measure | Laredo Federal Credit Union | Texoma Educators Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 87 (stronger) |
| Capital cushion | 63 | 98 (stronger) |
| Loan quality | 88 (stronger) | 68 |
| Earnings | 50 | 82 (stronger) |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 66th | 91st |
| Total assets | $136.6M | $128.1M |
| Deposits / shares | $125.6M | $108.5M |
| Capital ratio | 11.31% | 14.82% (stronger) |
| Problem loans | 0.35% (stronger) | 0.96% |
| Net charge-offs | 0.35% | 0.12% (stronger) |
| Return on assets | 0.75% | 1.54% (stronger) |
| Loans ÷ deposits | 62.9% | 47.1% (stronger) |
| Uninsured deposits | 2.9% (stronger) | 5.4% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.2% | — |
Texoma Educators Federal Credit Union has the higher TellerScore (87 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Laredo Federal Credit Union leads on 2 and Texoma Educators Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.