Credit union · NCUA insured
Texoma Educators
A $131.9M credit union headquartered in Sherman, TX, with 8,418 members and 3 branches in 2 states. Best rates: CDs 2.68% and savings 0.20% APY.
Texoma Educators Carrot Score
72
Carrot Score
Higher than 30% of U.S. banks and credit unions
#9 of 10 in Sherman, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Texoma Educators
Founded in 1957 in Sherman, Texas, Texoma Educators Federal Credit Union amended its charter in 2014 to serve communities across North Texas and Southern Oklahoma.
The member-owned credit union adopted its current name after merging with Southeastern Teachers Credit Union in 1995 and operates three branches.
- Headquarters
- 506 W Lamar St, Sherman, TX 75090-5840
- NCUA charter
- 11670
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, or regularly conduct business in Grayson County, Texas, or Atoka, Bryan, or Marshall County, Oklahoma are eligible for membership.
Family and household
- Individuals who have an immediate family member that is a member are eligible for membership, regardless of where they live or work.
Branches
3 branches in 2 states
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Texas
2 branches
- Sherman BranchMain office506 W Lamar St, Sherman, TX 75090Directions
- Denison Branch Office530 W Woodard St, Denison, TX 75020Directions
Oklahoma
1 branch
- Durant Branch Office424 N Washington Ave, Durant, OK 74701Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.82% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.96% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.52% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $47 | $76 | — |
- CapitalNet worth ratio14.82%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.96%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.52%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$47Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Texoma Educators are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.