Side-by-side · Q2 2026 data
Internal Revenue Federal Credit Union vs LA Terre Federal Credit Union
Credit union
Internal Revenue Federal Credit Union
New Orleans, Louisiana · Under $100 million in assets
Credit union
LA Terre Federal Credit Union
Houma, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Internal Revenue Federal Credit Union | LA Terre Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 40 |
| Capital cushion | 91 (stronger) | 17 |
| Loan quality | 93 (stronger) | 44 |
| Earnings | 67 (stronger) | 41 |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 99 (stronger) | 49 |
| Peer percentile | 87th | 3rd |
| Total assets | $22.5M | $25.4M |
| Deposits / shares | $19.1M | $23.8M |
| Capital ratio | 14.07% (stronger) | 6.65% |
| Problem loans | 0.22% (stronger) | 1.68% |
| Net charge-offs | 0.27% (stronger) | 0.31% |
| Return on assets | 1.18% (stronger) | 0.52% |
| Loans ÷ deposits | 47.9% (stronger) | 87.5% |
| Uninsured deposits | 0.9% | 0.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Internal Revenue Federal Credit Union has the higher TellerScore (89 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Internal Revenue Federal Credit Union leads on 6 and LA Terre Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.