Side-by-side · Q2 2026 data
Internal Revenue Employees Federal Credit Union vs Members Credit Union
Credit union
Internal Revenue Employees Federal Credit Union
Greensboro, North Carolina · Under $100 million in assets
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Internal Revenue Employees Federal Credit Union | Members Credit Union |
|---|---|---|
| TellerScore | 80 | 85 (stronger) |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 75 (stronger) | 73 |
| Earnings | 30 | 62 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 65th | 87th |
| Total assets | $12.2M | $477.1M |
| Deposits / shares | $8.6M | $404.2M |
| Capital ratio | 29.40% (stronger) | 14.83% |
| Problem loans | 0.75% (stronger) | 0.82% |
| Net charge-offs | 0.00% (stronger) | 1.39% |
| Return on assets | 0.25% | 1.06% (stronger) |
| Loans ÷ deposits | 29.4% (stronger) | 46.5% |
| Uninsured deposits | 2.2% (stronger) | 3.3% |
| Offices | 3 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Credit Union has the higher TellerScore (85 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Internal Revenue Employees Federal Credit Union leads on 5 and Members Credit Union on 2. 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.