Side-by-side · Q2 2026 data
Bank of Oak Ridge vs Internal Revenue Employees Federal Credit Union
Credit union
Internal Revenue Employees Federal Credit Union
Greensboro, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Bank of Oak Ridge | Internal Revenue Employees Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 80 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 40 | 75 (stronger) |
| Earnings | 69 (stronger) | 30 |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 24th | 65th |
| Total assets | $658.1M | $12.2M |
| Deposits / shares | $509.6M | $8.6M |
| Capital ratio | 12.53% | 29.40% (stronger) |
| Problem loans | 1.79% | 0.75% (stronger) |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 1.23% (stronger) | 0.25% |
| Loans ÷ deposits | 101.1% | 29.4% (stronger) |
| Uninsured deposits | 13.1% | 2.2% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.8% | — |
Internal Revenue Employees Federal Credit Union has the higher TellerScore (80 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Bank of Oak Ridge leads on 1 and Internal Revenue Employees Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.