State credit union · Wichita Falls, Texas · NCUA charter #61527
Texoma Community
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $307.6M
- Total assets
- 26,670
- Members
- 11.4%
- Net-worth ratio
Texoma Community scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $307.6M; members 26,670; net-worth ratio 11.42%; health rank #647 of 4,374; healthier than 84th of scored peers.
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NCUA 5300 Call Report Masthead
#647 of 4,374 health · 2025Q4Texoma Community · health 93/100 · $307.6M · 2025Q4
Call Report peers
Texoma Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Texoma Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Texoma Community sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Texoma Community diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +26.45 pp (98.65% vs 72.20%).
- Largest lag: Net Worth Ratio at 11.42% vs peer 12.11% (-0.69 pp).
Texas standing for Texoma Community
- In Texas, health place is #58 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Texoma Community is #85 of 386 in Texas.
- Member book place in Texas: #74 of 386.
- One place up in Texas, Kerr County (#57) ties at 93/100; one place down, Southwest Airlines (#59) ties at 93/100.
Texoma Community: 2025Q4 → 2026Q1
Texoma Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $307.6M (2025Q4) to $314.5M (2026Q1).
- Net-worth ratio shifted -0.25 pp (11.67% → 11.42%).
This credit union's 11.42% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Texoma Community gives up 7 points in total. Loan-to-Share Ratio costs the most, 3.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 13.5 pts
- Loan-to-Share Ratio 11.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.42% | -0.69 pp |
| Delinquency Rate | 0.67% | -0.22 pp |
| Return on Assets | 0.93% | +0.31 pp |
| Member Growth | 3.79% | - |
| Loan-to-Share Ratio | 98.65% | +26.45 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Texoma Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $314.5M | - |
| 2025Q4 | $307.6M | 26,670 |
| 2024Q4 | $276.5M | 25,697 |
| 2023Q4 | $271.0M | 25,326 |
Credit Union Details
- Charter Number
- 61527
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Wichita Falls
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Texoma Community runs 3 offices.
| Office | City |
|---|---|
| SAR (1 DT and 1 Lobby ATM) (Main Office) | Wichita Falls, TX |
| SPO (2 DT & 1 Lobby ATM) | Wichita Falls, TX |
| Downtown Branch | Wichita Falls, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Texoma Community
Using this data
- Texoma Community ranks #647 of 4,374 nationally on financial health and #58 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ACFCU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ACFCU
Frequently Asked Questions
Is Texoma Community financially healthy?
Texoma Community has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #647 of 4,374 nationally on health and #58 of 386 in Texas. Its net worth ratio is 11.42% and its delinquency rate 0.67%.
How does Texoma Community compare to other credit unions?
Texoma Community scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (98.65% vs 72.20%). Its widest shortfall is net worth ratio (11.42% vs 12.11%).
How can I join Texoma Community?
Membership eligibility for Texoma Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Texoma Community directly for current membership requirements and application steps.
Is my money safe at Texoma Community?
Texoma Community is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Texoma Community's net worth ratio of 11.42% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.