Side-by-side · Q2 2026 data
Legend Bank, N.A. vs Texoma Educators Federal Credit Union
Credit union
Texoma Educators Federal Credit Union
Sherman, Texas · $100 million – $1 billion
Metric by metric
| Measure | Legend Bank, N.A. | Texoma Educators Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 87 (stronger) |
| Capital cushion | 54 | 98 (stronger) |
| Loan quality | 96 (stronger) | 68 |
| Earnings | 98 (stronger) | 82 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 93rd | 91st |
| Total assets | $1.3B | $128.1M |
| Deposits / shares | $1.1B | $108.5M |
| Capital ratio | 10.35% | 14.82% (stronger) |
| Problem loans | 0.12% (stronger) | 0.96% |
| Net charge-offs | 0.07% (stronger) | 0.12% |
| Return on assets | 1.95% (stronger) | 1.54% |
| Loans ÷ deposits | 72.1% | 47.1% (stronger) |
| Uninsured deposits | 21.9% | 5.4% (stronger) |
| Offices | 13 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | — |
Texoma Educators Federal Credit Union has the higher TellerScore (87 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Legend Bank, N.A. leads on 3 and Texoma Educators Federal Credit Union on 4. 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.