Side-by-side · Q2 2026 data
Fifth District Savings Bank vs Internal Revenue Federal Credit Union
Credit union
Internal Revenue Federal Credit Union
New Orleans, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Fifth District Savings Bank | Internal Revenue Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 89 (stronger) |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 97 (stronger) | 93 |
| Earnings | 33 | 67 (stronger) |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 80th | 87th |
| Total assets | $531.8M | $22.5M |
| Deposits / shares | $414.8M | $19.1M |
| Capital ratio | 21.41% (stronger) | 14.07% |
| Problem loans | 0.09% (stronger) | 0.22% |
| Net charge-offs | 0.00% (stronger) | 0.27% |
| Return on assets | 0.33% | 1.18% (stronger) |
| Loans ÷ deposits | 94.8% | 47.9% (stronger) |
| Uninsured deposits | 9.7% | 0.9% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.6% | — |
Internal Revenue Federal Credit Union has the higher TellerScore (89 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Fifth District Savings Bank leads on 3 and Internal Revenue Federal Credit Union on 4. 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.