Side-by-side · Q2 2026 data
International Bank of Commerce vs Encentus Federal Credit Union
Metric by metric
| Measure | International Bank of Commerce | Encentus Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 78 | 80 (stronger) |
| Earnings | 75 (stronger) | 27 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 98th | 65th |
| Total assets | $1.6B | $21.4M |
| Deposits / shares | $1.2B | $17.8M |
| Capital ratio | 15.53% | 17.05% (stronger) |
| Problem loans | 0.66% | 0.60% (stronger) |
| Net charge-offs | 0.25% (stronger) | 1.82% |
| Return on assets | 1.37% (stronger) | 0.18% |
| Loans ÷ deposits | 54.8% | 39.7% (stronger) |
| Uninsured deposits | 24.2% | 1.1% (stronger) |
| Offices | 41 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
International Bank of Commerce has the higher TellerScore (88 vs 80). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 3 and Encentus 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.