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 | 64 | 93 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 0 | 83 (stronger) |
| Earnings | 89 (stronger) | 86 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 48 | 99 (stronger) |
| Peer percentile | 33rd | 94th |
| Total assets | $4.6B | $47.4M |
| Deposits / shares | $3.9B | $39.1M |
| Capital ratio | 14.46% | 16.85% (stronger) |
| Problem loans | 9.17% | 0.51% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.21% |
| Return on assets | 1.73% (stronger) | 1.64% |
| Loans ÷ deposits | 39.2% | 22.7% (stronger) |
| Uninsured deposits | 30.1% | 0.0% (stronger) |
| Offices | 41 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Starr County Teachers Federal Credit Union has the higher TellerScore (93 vs 64). On the 7 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 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.