Texoma Educators

SHERMAN, TX · 1 · Charter #11670 · www.texomaeducators.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$132.1M
65th percentile
Members
8,533
58th percentile
Total loans
$55.5M
46th percentile
Total shares
$112.9M
64th percentile

Profitability

Return on assets
1.02%
49th percentile
Net interest margin
2.81%
12th percentile
Efficiency ratio
55.70%
70th percentile
Non-interest income ratio
14.70%
37th percentile

Capital & Risk

Net worth ratio
13.62%
66th percentile
Delinquency rate
0.78%
46th percentile
Net charge-off rate
0.12%
80th percentile
Loan-to-share
49.20%
19th percentile

Growth

Member growth YoY
-0.52%
51th percentile
Asset growth YoY
2.08%
35th percentile
Loan growth YoY
-2.82%
27th percentile
Share growth YoY
1.52%
34th percentile

Operations

Members / branch
2,844
44th percentile
Assets / member
$15,487
58th percentile
Field of membership penetration
4.27%
42th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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