TellerScore

Headquartered in Wichita Falls, Texas, Texoma Community Credit Union is a federally insured state-chartered credit union with $325.5M in total assets and $278.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1953.

Texoma Community Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 267th. Problem-loan coverage contributes the most (84/100, 8.0%); earnings contributes the least (38/100, 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.22%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.70%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity64/100
Loans ÷ shares: 96.4% · 3.7% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.97%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 10 points (73 → 63), mostly because the earnings component weakened by 34 points.

TellerScore
626874Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202470
Q4 202470
Q1 202574
Q2 202573
Q3 202572
Q4 202570
Q1 202662
Q2 202663
Net worth ratio
7.00%9.40%11.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.10%
Q3 202411.47%
Q4 202411.76%
Q1 202511.79%
Q2 202511.76%
Q3 202511.80%
Q4 202511.67%
Q1 202611.42%
Q2 202611.22%
Delinquent loans (60+ days)
0.51%0.63%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.71%
Q3 20240.76%
Q4 20240.72%
Q1 20250.68%
Q2 20250.64%
Q3 20250.51%
Q4 20250.67%
Q1 20260.57%
Q2 20260.70%
Return on assets
0.11%0.82%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.05%
Q3 20241.14%
Q4 20241.04%
Q1 20251.53%
Q2 20251.31%
Q3 20251.15%
Q4 20251.08%
Q1 20260.11%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$325.5M11.22%0.70%0.45%96.4%
Q1 202662$314.5M11.42%0.57%0.11%98.3%
Q4 202570$307.6M11.67%0.67%1.08%98.7%
Q3 202572$297.4M11.80%0.51%1.15%98.6%
Q2 202573$293.0M11.76%0.64%1.31%96.7%
Q1 202574$285.3M11.79%0.68%1.53%95.9%
Q4 202470$276.5M11.76%0.72%1.04%95.5%
Q3 202470$279.3M11.47%0.76%1.14%93.1%
Q2 202468$280.6M11.10%0.71%1.05%94.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.22%
47th
Problem loans0.70%
49th
Net charge-offs0.53%
33rd
Return on assets0.45%
27th
Loans to deposits96.4%
6th
Uninsured deposits3.7%
75th
Loan-loss reserves0.00%
50th
Texas ratio8.0%
21st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Evolve Federal Credit UnionCredit union El Paso, TX70 out of 100, Strong$323.2M10.8%0.04%vs
Acfcu Federal Credit UnionCredit union Amarillo, TX57 out of 100, Moderate$319.0M8.6%1.06%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
First Basin Credit UnionCredit union Odessa, TX75 out of 100, Strong$343.2M11.5%0.29%vs
Gulf Credit UnionCredit union Groves, TX68 out of 100, Moderate$348.6M10.0%0.45%vs

Deposit insurance

Is my money safe at Texoma Community Credit Union?

Yes. Texoma Community Credit Union is a federally insured credit union (NCUA charter #61527). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.7% of shares and deposits ($10.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.22%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Texoma Community Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Texoma Community Credit Union reported 243 home-loan applications under HMDA (LEI 549300XTGDMRB8FMR522): 235 originated ($24,835,000 total), 0 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Texoma Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61527
RSSD ID
908290
Primary regulator
State + NCUA
Established
1953
Headquarters
PO Box 1320, Wichita Falls, TX 76307
Employees
97

Quick answers

Texoma Community Credit Union: common questions

Is Texoma Community Credit Union NCUA insured?

Yes. Texoma Community Credit Union is a federally insured credit union (NCUA charter #61527). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Texoma Community Credit Union's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Texoma Community Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Wichita Falls

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
The Waggoner National Bank of VernonBank Vernon, TX88 out of 100, Very strong$353.7M14.4%0.66%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
Wichita Falls Teachers Federal Credit UnionCredit union Wichita Falls, TX82 out of 100, Strong$115.6M12.4%0.31%vs
First BankBank Burkburnett, TX81 out of 100, Strong$703.6M13.9%0.80%vs
First United BankBank Dimmitt, TX77 out of 100, Strong$2.4B11.2%0.41%vs