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Overview / Commentary
506 W Lamar St
Sherman, TX 75090-5840

Texoma Educators Federal Credit Union is headquartered in Sherman and is the 133rd largest credit union in the state of Texas. It is also the 1,721st largest credit union in the nation. It was established in 1957 and as of December of 2017, it had grown to 10 employees and 7,610 members at 3 locations. Texoma Educators Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school or regularly conduct business in Grayson County, Texas or Atoka, Bryan or Marshall Counties, Oklahoma. Membership is also open to employees of members of the select employer group.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Texoma Educators Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #11670
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD4.64%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$86.9MM$79.6MM
LoansQ4 2017vs Q4 2016$29.1MM$26.3MM
DepositsQ4 2017vs Q4 2016$74.1MM$67.5MM
Equity CapitalQ4 2017vs Q4 2016$11.9MM$11.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$106.00K$170.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$193.00K$179.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0

Rates for Texoma Educators Federal Credit Union are currently being reviewed.


Texoma Educators Federal Credit Union Locations
Branch Office424 N Washington AveDurant, OK 74701-3461
Branch Office506 W Lamar StSherman, TX 75090-5840
Branch Office530 W Woodard StDenison, TX 75020-3141