Side-by-side · Q2 2026 data
Texoma Educators Federal Credit Union vs United Community Credit Union
Credit union
Texoma Educators Federal Credit Union
Sherman, Texas · $100 million – $1 billion
Metric by metric
| Measure | Texoma Educators Federal Credit Union | United Community Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 69 |
| Capital cushion | 98 (stronger) | 70 |
| Loan quality | 68 (stronger) | 65 |
| Earnings | 82 (stronger) | 57 |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 91st | 48th |
| Total assets | $128.1M | $127.9M |
| Deposits / shares | $108.5M | $112.6M |
| Capital ratio | 14.82% (stronger) | 12.03% |
| Problem loans | 0.96% (stronger) | 1.05% |
| Net charge-offs | 0.12% (stronger) | 0.88% |
| Return on assets | 1.54% (stronger) | 0.92% |
| Loans ÷ deposits | 47.1% (stronger) | 80.1% |
| Uninsured deposits | 5.4% | 2.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texoma Educators Federal Credit Union has the higher TellerScore (87 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Texoma Educators Federal Credit Union leads on 6 and United Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.