Side-by-side · Q2 2026 data
Internal Revenue Employees Federal Credit Union vs Allvac Savings and Credit Union
Credit union
Internal Revenue Employees Federal Credit Union
Greensboro, North Carolina · Under $100 million in assets
Credit union
Allvac Savings and Credit Union
Monroe, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Internal Revenue Employees Federal Credit Union | Allvac Savings and Credit Union |
|---|---|---|
| TellerScore | 80 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 75 | 97 (stronger) |
| Earnings | 30 | 63 (stronger) |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 65th | 89th |
| Total assets | $12.2M | $9.5M |
| Deposits / shares | $8.6M | $7.8M |
| Capital ratio | 29.40% (stronger) | 17.59% |
| Problem loans | 0.75% | 0.09% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.39% |
| Return on assets | 0.25% | 1.07% (stronger) |
| Loans ÷ deposits | 29.4% (stronger) | 68.9% |
| Uninsured deposits | 2.2% (stronger) | 8.5% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Allvac Savings and Credit Union has the higher TellerScore (90 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Internal Revenue Employees Federal Credit Union leads on 4 and Allvac Savings and Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.