Side-by-side · Q2 2026 data
International Bank of Commerce vs Starr County Teachers Federal Credit Union
Credit union
Starr County Teachers Federal Credit Union
Rio Grande City, Texas · Under $100 million in assets
Metric by metric
| Measure | International Bank of Commerce | Starr County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 93 | 93 |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 98 (stronger) | 83 |
| Earnings | 93 (stronger) | 86 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 98th | 94th |
| Total assets | $567.8M | $47.4M |
| Deposits / shares | $457.0M | $39.1M |
| Capital ratio | 13.60% | 16.85% (stronger) |
| Problem loans | 0.07% (stronger) | 0.51% |
| Net charge-offs | 0.30% | 0.21% (stronger) |
| Return on assets | 1.81% (stronger) | 1.64% |
| Loans ÷ deposits | 30.7% | 22.7% (stronger) |
| Uninsured deposits | 21.1% | 0.0% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 2 and Starr County Teachers 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.
Where both have branches
- Rio Grande City, TX
- Roma, TX