Side-by-side · Q2 2026 data
The First National Bank of Tom Bean vs Texoma Educators Federal Credit Union
Credit union
Texoma Educators Federal Credit Union
Sherman, Texas · $100 million – $1 billion
Metric by metric
| Measure | The First National Bank of Tom Bean | Texoma Educators Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 87 (stronger) |
| Capital cushion | 71 | 98 (stronger) |
| Loan quality | 59 | 68 (stronger) |
| Earnings | 62 | 82 (stronger) |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 85 | 95 (stronger) |
| Peer percentile | 34th | 91st |
| Total assets | $155.6M | $128.1M |
| Deposits / shares | $135.7M | $108.5M |
| Capital ratio | 12.15% | 14.82% (stronger) |
| Problem loans | 1.23% | 0.96% (stronger) |
| Net charge-offs | 0.38% | 0.12% (stronger) |
| Return on assets | 1.05% | 1.54% (stronger) |
| Loans ÷ deposits | 93.2% | 47.1% (stronger) |
| Uninsured deposits | 17.2% | 5.4% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texoma Educators Federal Credit Union has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Tom Bean leads on 0 and Texoma Educators Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.