Side-by-side · Q2 2026 data
International Bank of Commerce vs Refugio County Federal Credit Union
Credit union
Refugio County Federal Credit Union
Refugio, Texas · Under $100 million in assets
Metric by metric
| Measure | International Bank of Commerce | Refugio County Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 26 | 86 (stronger) |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 25 | 100 (stronger) |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 69th | 83rd |
| Total assets | $10.2B | $14.2M |
| Deposits / shares | $6.6B | $11.9M |
| Capital ratio | 19.02% (stronger) | 16.36% |
| Problem loans | 2.21% | 0.42% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 2.82% (stronger) | 0.81% |
| Loans ÷ deposits | 107.3% | 41.0% (stronger) |
| Uninsured deposits | 40.2% | 0.0% (stronger) |
| Offices | 72 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Refugio County Federal Credit Union has the higher TellerScore (87 vs 69). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 2 and Refugio County Federal Credit Union on 5. 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.