Side-by-side · Q2 2026 data
Texas Republic Bank, National Association vs Texoma Educators Federal Credit Union
Credit union
Texoma Educators Federal Credit Union
Sherman, Texas · $100 million – $1 billion
Metric by metric
| Measure | Texas Republic Bank, National Association | Texoma Educators Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 87 (stronger) |
| Capital cushion | 83 | 98 (stronger) |
| Loan quality | 65 | 68 (stronger) |
| Earnings | 91 (stronger) | 82 |
| Funding & liquidity | 24 | 100 (stronger) |
| Problem-loan coverage | 85 | 95 (stronger) |
| Peer percentile | 47th | 91st |
| Total assets | $510.6M | $128.1M |
| Deposits / shares | $389.2M | $108.5M |
| Capital ratio | 13.35% | 14.82% (stronger) |
| Problem loans | 1.06% | 0.96% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.12% |
| Return on assets | 1.78% (stronger) | 1.54% |
| Loans ÷ deposits | 112.2% | 47.1% (stronger) |
| Uninsured deposits | 38.8% | 5.4% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Texoma Educators Federal Credit Union has the higher TellerScore (87 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Texas Republic Bank, National Association 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.