Side-by-side · Q2 2026 data
International Bank of Commerce vs South Texas Regional Federal Credit Union
Credit union
South Texas Regional Federal Credit Union
Laredo, Texas · Under $100 million in assets
Metric by metric
| Measure | International Bank of Commerce | South Texas Regional Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 83 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 26 | 95 (stronger) |
| Earnings | 100 (stronger) | 39 |
| Funding & liquidity | 25 | 80 (stronger) |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 69th | 72nd |
| Total assets | $10.2B | $5.7M |
| Deposits / shares | $6.6B | $4.8M |
| Capital ratio | 19.02% (stronger) | 15.47% |
| Problem loans | 2.21% | 0.15% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.16% |
| Return on assets | 2.82% (stronger) | 0.47% |
| Loans ÷ deposits | 107.3% | 80.5% (stronger) |
| Uninsured deposits | 40.2% | 0.0% (stronger) |
| Offices | 72 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Texas Regional Federal Credit Union has the higher TellerScore (83 vs 69). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 3 and South Texas Regional 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.