Side-by-side · Q2 2026 data
International Bank of Commerce vs Laredo Federal Credit Union
Metric by metric
| Measure | International Bank of Commerce | Laredo Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 75 (stronger) |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 26 | 88 (stronger) |
| Earnings | 100 (stronger) | 50 |
| Funding & liquidity | 25 | 97 (stronger) |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 69th | 66th |
| Total assets | $10.2B | $136.6M |
| Deposits / shares | $6.6B | $125.6M |
| Capital ratio | 19.02% (stronger) | 11.31% |
| Problem loans | 2.21% | 0.35% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.35% |
| Return on assets | 2.82% (stronger) | 0.75% |
| Loans ÷ deposits | 107.3% | 62.9% (stronger) |
| Uninsured deposits | 40.2% | 2.9% (stronger) |
| Offices | 72 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.2% |
Laredo Federal Credit Union has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 3 and Laredo Federal Credit Union on 4. 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.