TellerScore

Headquartered in Sherman, Texas, Texoma Educators Federal Credit Union is a federal credit union with $128.1M in total assets and $108.5M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1957.

Texoma Educators Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 58th. Funding & liquidity contributes the most (100/100, 47% loans-to-deposits, 5% uninsured); loan quality contributes the least (68/100, 0.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.82%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.96%
Earnings82/100
Return on assets (annualized): 1.54%
Funding & liquidity100/100
Loans ÷ shares: 47.1% · 5.4% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.58%

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 rose 4 points (83 → 87), mostly because the earnings component improved by 28 points.

TellerScore
798387Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202479
Q4 202480
Q1 202582
Q2 202583
Q3 202580
Q4 202580
Q1 202687
Q2 202687
Net worth ratio
7.00%10.91%14.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.54%
Q3 202412.75%
Q4 202412.96%
Q1 202512.88%
Q2 202513.21%
Q3 202513.52%
Q4 202513.62%
Q1 202614.02%
Q2 202614.82%
Delinquent loans (60+ days)
0.08%0.52%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.08%
Q3 20240.19%
Q4 20240.18%
Q1 20250.15%
Q2 20250.28%
Q3 20250.75%
Q4 20250.78%
Q1 20260.73%
Q2 20260.96%
Return on assets
0.37%0.96%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.43%
Q4 20240.47%
Q1 20250.70%
Q2 20250.86%
Q3 20250.93%
Q4 20250.92%
Q1 20261.52%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$128.1M14.82%0.96%1.54%47.1%
Q1 202687$131.9M14.02%0.73%1.52%49.2%
Q4 202580$132.1M13.62%0.78%0.92%49.2%
Q3 202580$131.0M13.52%0.75%0.93%49.3%
Q2 202583$131.3M13.21%0.28%0.86%51.5%
Q1 202582$132.1M12.88%0.15%0.70%51.0%
Q4 202480$129.5M12.96%0.18%0.47%51.4%
Q3 202479$130.2M12.75%0.19%0.43%52.0%
Q2 202479$131.0M12.54%0.08%0.37%50.1%

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 ratio14.82%
84th
Problem loans0.96%
32nd
Net charge-offs0.12%
82nd
Return on assets1.54%
89th
Loans to deposits47.1%
92nd
Uninsured deposits5.4%
55th
Loan-loss reserves0.00%
50th
Texas ratio2.6%
68th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
United Community Credit UnionCredit union Houston, TX69 out of 100, Moderate$127.9M12.0%1.05%vs
Eastex Credit UnionCredit union Evadale, TX81 out of 100, Strong$131.7M11.5%0.16%vs
Bp Federal Credit UnionCredit union Houston, TX69 out of 100, Moderate$124.4M14.0%0.81%vs
Telco Plus Credit UnionCredit union Longview, TX54 out of 100, Below average$124.3M9.3%0.31%vs
One Source Federal Credit UnionCredit union El Paso, TX63 out of 100, Moderate$124.0M10.3%0.27%vs
Tarrant County'S Credit UnionCredit union Fort Worth, TX53 out of 100, Below average$123.7M9.6%0.80%vs

Deposit insurance

Is my money safe at Texoma Educators Federal Credit Union?

Yes. Texoma Educators Federal Credit Union is a federally insured credit union (NCUA charter #11670). 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 5.4% of shares and deposits ($5.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.82%, well 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 Educators Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Texoma Educators Federal Credit Union
Type
Federal credit union
NCUA charter #
11670
RSSD ID
672881
Primary regulator
NCUA
Established
1957
Headquarters
506 W. Lamar St., Sherman, TX 75090
Employees
22

Quick answers

Texoma Educators Federal Credit Union: common questions

Is Texoma Educators Federal Credit Union NCUA insured?

Yes. Texoma Educators Federal Credit Union is a federally insured credit union (NCUA charter #11670). 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 Educators Federal Credit Union's TellerScore?

87 out of 100 (Very strong), 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 Educators Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Sherman

InstitutionScoreAssetsCapitalProblem loansCompare
Fannin Federal Credit UnionCredit union Bonham, TX94 out of 100, Very strong$80.9M20.2%0.61%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
First Texas National BankBank Floydada, TX76 out of 100, Strong$216.9M9.7%0.00%vs
Community National Bank & Trust of TexasBank Corsicana, TX76 out of 100, Strong$1.7B10.6%0.09%vs
Lamar National BankBank Paris, TX73 out of 100, Strong$375.9M10.6%0.15%vs
Texas Republic Bank, National AssociationBank Frisco, TX71 out of 100, Strong$510.6M13.3%1.06%vs