Side-by-side · Q2 2026 data
Internal Revenue Employees Federal Credit Union vs Guco Credit Union
Credit union
Internal Revenue Employees Federal Credit Union
Greensboro, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Internal Revenue Employees Federal Credit Union | Guco Credit Union |
|---|---|---|
| TellerScore | 80 | 81 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 75 | 96 (stronger) |
| Earnings | 30 | 30 |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 65th | 68th |
| Total assets | $12.2M | $10.2M |
| Deposits / shares | $8.6M | $8.4M |
| Capital ratio | 29.40% (stronger) | 17.82% |
| Problem loans | 0.75% | 0.13% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 0.25% (stronger) | 0.24% |
| Loans ÷ deposits | 29.4% (stronger) | 83.3% |
| Uninsured deposits | 2.2% | 2.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Guco Credit Union has the higher TellerScore (81 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 Guco Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.