Side-by-side · Q2 2026 data
International Bank of Commerce vs The Focus Federal Credit Union
Credit union
The Focus Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | International Bank of Commerce | The Focus Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 78 | 85 (stronger) |
| Earnings | 75 (stronger) | 21 |
| Funding & liquidity | 90 (stronger) | 71 |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 98th | 14th |
| Total assets | $1.6B | $163.2M |
| Deposits / shares | $1.2B | $147.9M |
| Capital ratio | 15.53% (stronger) | 8.99% |
| Problem loans | 0.66% | 0.45% (stronger) |
| Net charge-offs | 0.25% (stronger) | 0.48% |
| Return on assets | 1.37% (stronger) | 0.03% |
| Loans ÷ deposits | 54.8% (stronger) | 88.9% |
| Uninsured deposits | 24.2% | 8.2% (stronger) |
| Offices | 41 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 44.9% |
International Bank of Commerce has the higher TellerScore (88 vs 57). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 5 and The Focus 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.