TEXOMA EDUCATORS
Charter #11670 · SHERMAN, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.52% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.28% sits at the 23rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 57.75% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 75th — a 55-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TEXOMA EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $131.91M | 21th pct | 75th pct |
| Members | 8,418 | 21th pct | 69th pct |
| Net worth ratio | 14.02% | 80th pct | 56th pct |
| Return on average assets | 1.52% | 89th pct | 82th pct |
| Net interest margin | 3.28% | 28th pct | 23th pct |
| Cost of funds | 0.85% | 31th pct | 57th pct |
| Loan-to-share | 49.25% | 12th pct | 30th pct |
| Delinquency 60+ days | 0.73% | 59th pct | 67th pct |
| Net charge-off ratio | 0.10% | 18th pct | 30th pct |
| Loan growth YoY | -0.30% | 44th pct | 70th pct |
| Share growth YoY | -0.16% | 9th pct | 10th pct |
| Efficiency ratio | 57.75% | 6th pct | 5th pct |
structural peer set hash: 4049a1f91a9a5d2a5a3e750c8a34b47f… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.