Side-by-side · Q2 2026 data
International Bank of Commerce vs Seagoville Federal Credit Union
Credit union
Seagoville Federal Credit Union
Seagoville, Texas · Under $100 million in assets
Metric by metric
| Measure | International Bank of Commerce | Seagoville Federal Credit Union |
|---|---|---|
| TellerScore | 88 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 78 | 93 (stronger) |
| Earnings | 75 (stronger) | 55 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 98th | 87th |
| Total assets | $1.6B | $15.8M |
| Deposits / shares | $1.2B | $12.3M |
| Capital ratio | 15.53% | 21.64% (stronger) |
| Problem loans | 0.66% | 0.21% (stronger) |
| Net charge-offs | 0.25% | 0.00% (stronger) |
| Return on assets | 1.37% (stronger) | 0.86% |
| Loans ÷ deposits | 54.8% (stronger) | 56.3% |
| Uninsured deposits | 24.2% | 0.6% (stronger) |
| Offices | 41 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Seagoville Federal Credit Union has the higher TellerScore (89 vs 88). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 2 and Seagoville 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.