Side-by-side · Q2 2026 data
International Bank of Commerce vs Laredo Fire Department Federal Credit Union
Credit union
Laredo Fire Department Federal Credit Union
Laredo, Texas · Under $100 million in assets
Metric by metric
| Measure | International Bank of Commerce | Laredo Fire Department Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 26 | 42 (stronger) |
| Earnings | 100 (stronger) | 22 |
| Funding & liquidity | 25 | 65 (stronger) |
| Problem-loan coverage | 85 (stronger) | 77 |
| Peer percentile | 69th | 15th |
| Total assets | $10.2B | $14.7M |
| Deposits / shares | $6.6B | $12.8M |
| Capital ratio | 19.02% (stronger) | 12.50% |
| Problem loans | 2.21% | 1.74% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.20% |
| Return on assets | 2.82% (stronger) | 0.05% |
| Loans ÷ deposits | 107.3% | 95.1% (stronger) |
| Uninsured deposits | 40.2% | 9.7% (stronger) |
| Offices | 72 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
International Bank of Commerce has the higher TellerScore (69 vs 55). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 4 and Laredo Fire Department Federal Credit Union on 3. 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.