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
- ROA 85/100
- ASSETS 14.0%
- MEM 0.78%
- RANK 0.46%
- PHOTO $132.1M
- BOOK 8,533
- CHARTER #1,936/4,374
- NCUSIF Liberty Savings
- CAMELS 11670
Call Report peers
Texoma Educators in the assets neighbourhood
Texoma Educators's $132.1M assets sit next to Liberty Savings ($132.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #11670. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Texoma Educators: 2025Q4 → 2026Q1
Texoma Educators: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $132.1M (2025Q4) to $131.9M (2026Q1).
- Net-worth ratio shifted +0.40 pp (13.62% → 14.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for Texoma Educators - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($132.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Texoma Educators financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Texoma Educators carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,936 of 4,374; by total assets it ranks #1,588 of 4,374 nationally (same basis as /rankings/largest); and #129 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.02% net worth ratio and a 0.78% delinquency rate.
How does Texoma Educators compare to other credit unions?
Texoma Educators scores 85/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Texoma Educators are 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."
What rates does Texoma Educators offer compared to banks?
Credit unions like Texoma Educators are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Texoma Educators directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.