Side-by-side · Q2 2026 data
Hibernia 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 | Hibernia Bank | Internal Revenue Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 89 (stronger) |
| Capital cushion | 65 | 91 (stronger) |
| Loan quality | 54 | 93 (stronger) |
| Earnings | 24 | 67 (stronger) |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 11th | 87th |
| Total assets | $256.6M | $22.5M |
| Deposits / shares | $210.0M | $19.1M |
| Capital ratio | 11.54% | 14.07% (stronger) |
| Problem loans | 1.37% | 0.22% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.27% |
| Return on assets | 0.11% | 1.18% (stronger) |
| Loans ÷ deposits | 100.3% | 47.9% (stronger) |
| Uninsured deposits | 17.1% | 0.9% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Internal Revenue Federal Credit Union has the higher TellerScore (89 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Hibernia Bank leads on 1 and Internal Revenue 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.