Side-by-side · Q2 2026 data
Internal Revenue Federal Credit Union vs Total Choice Federal Credit Union
Credit union
Internal Revenue Federal Credit Union
New Orleans, Louisiana · Under $100 million in assets
Credit union
Total Choice Federal Credit Union
Hahnville, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Internal Revenue Federal Credit Union | Total Choice Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 61 |
| Capital cushion | 91 (stronger) | 25 |
| Loan quality | 93 | 93 |
| Earnings | 67 (stronger) | 26 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 87th | 23rd |
| Total assets | $22.5M | $54.3M |
| Deposits / shares | $19.1M | $50.1M |
| Capital ratio | 14.07% (stronger) | 7.54% |
| Problem loans | 0.22% | 0.20% (stronger) |
| Net charge-offs | 0.27% | 0.24% (stronger) |
| Return on assets | 1.18% (stronger) | 0.16% |
| Loans ÷ deposits | 47.9% | 37.5% (stronger) |
| Uninsured deposits | 0.9% (stronger) | 2.1% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Internal Revenue Federal Credit Union has the higher TellerScore (89 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Internal Revenue Federal Credit Union leads on 4 and Total Choice Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.