Side-by-side · Q2 2026 data
Internal Revenue Federal Credit Union vs Xplore Federal Credit Union
Credit union
Internal Revenue Federal Credit Union
New Orleans, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Internal Revenue Federal Credit Union | Xplore Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 67 |
| Capital cushion | 91 (stronger) | 70 |
| Loan quality | 93 (stronger) | 87 |
| Earnings | 67 (stronger) | 23 |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 87th | 41st |
| Total assets | $22.5M | $147.1M |
| Deposits / shares | $19.1M | $117.7M |
| Capital ratio | 14.07% (stronger) | 11.99% |
| Problem loans | 0.22% (stronger) | 0.38% |
| Net charge-offs | 0.27% (stronger) | 0.29% |
| Return on assets | 1.18% (stronger) | 0.08% |
| Loans ÷ deposits | 47.9% (stronger) | 89.0% |
| Uninsured deposits | 0.9% (stronger) | 4.7% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.1% |
Internal Revenue Federal Credit Union has the higher TellerScore (89 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Internal Revenue Federal Credit Union leads on 7 and Xplore Federal Credit Union on 0. 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.