Side-by-side · Q2 2026 data
International Bank of Commerce vs Cowboy Country Federal Credit Union
Credit union
Cowboy Country Federal Credit Union
Premont, Texas · Under $100 million in assets
Metric by metric
| Measure | International Bank of Commerce | Cowboy Country Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 46 |
| Capital cushion | 86 | 98 (stronger) |
| Loan quality | 98 (stronger) | 0 |
| Earnings | 93 (stronger) | 0 |
| Funding & liquidity | 94 (stronger) | 84 |
| Problem-loan coverage | 99 (stronger) | 42 |
| Peer percentile | 98th | 6th |
| Total assets | $567.8M | $16.8M |
| Deposits / shares | $457.0M | $14.3M |
| Capital ratio | 13.60% | 14.84% (stronger) |
| Problem loans | 0.07% (stronger) | 6.70% |
| Net charge-offs | 0.30% (stronger) | 2.79% |
| Return on assets | 1.81% (stronger) | -4.74% |
| Loans ÷ deposits | 30.7% (stronger) | 76.2% |
| Uninsured deposits | 21.1% | 7.1% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
International Bank of Commerce has the higher TellerScore (93 vs 46). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 5 and Cowboy Country Federal Credit Union on 2. 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.