Federal credit union · SHERMAN, Texas · NCUA charter #11670
Texoma Educators
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $132.1M
- Total assets
- 8,533
- Members
- 14.0%
- Net-worth ratio
Texoma Educators scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $132.1M; members 8,533; net-worth ratio 14.02%; health rank #1,936 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,936 of 4,374 health · 2025Q4Texoma Educators · health 85/100 · $132.1M · 2025Q4
Call Report peers
Texoma Educators in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Texoma Educators vs every NCUA-scored credit union
Texoma Educators sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Texoma Educators vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 14.02% vs peer 12.11% (+1.91 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -23.00 pp (49.20% vs 72.20%).
Texas standing for Texoma Educators
- In Texas, health place is #177 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Texoma Educators is #129 of 386 in Texas.
- Texas membership ordinal: #141 of 386.
- One place up in Texas, PECU (#176) ties at 85/100; one place down, Chocolate Bayou Community (#178) ties at 85/100.
Texoma Educators: 2025Q4 → 2026Q1
Texoma Educators: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $132.1M (2025Q4) to $131.9M (2026Q1).
- Net-worth ratio shifted +0.40 pp (13.62% → 14.02%).
This credit union's 14.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Texoma Educators gives up 15 points in total. Member Growth costs the most, 6.9 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.2 pts
- Return on Assets 14.4 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 10.3 pts
Texoma Educators health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.02% | +1.91 pp |
| Delinquency Rate | 0.78% | -0.11 pp |
| Return on Assets | 0.46% | -0.17 pp |
| Member Growth | -0.52% | - |
| Loan-to-Share Ratio | 49.20% | -23.00 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Texoma Educators quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $131.9M | - |
| 2025Q4 | $132.1M | 8,533 |
| 2024Q4 | $129.5M | 8,578 |
| 2023Q4 | $127.8M | 8,495 |
Credit Union Details
- Charter Number
- 11670
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- SHERMAN
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Texoma Educators, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Sherman Branch (Main Office) | Sherman, TX |
| Denison Branch Office | Denison, TX |
| Durant Branch Office | Durant, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Texoma Educators ranks #1,936 of 4,374 nationally on financial health and #177 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Telco Plus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Telco Plus
Frequently Asked Questions
Is Texoma Educators financially healthy?
Texoma Educators has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,936 of 4,374 nationally on health and #177 of 386 in Texas. Its net worth ratio is 14.02% and its delinquency rate 0.78%.
How does Texoma Educators compare to other credit unions?
Texoma Educators scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.02% vs 12.11%). Its widest shortfall is loan-to-share ratio (49.20% vs 72.20%).
How can I join Texoma Educators?
Texoma Educators operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Texoma Educators directly for the exact boundaries and application steps.
Is my money safe at Texoma Educators?
Texoma Educators is a federal 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 Educators's net worth ratio of 14.02% 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.