Side-by-side · Q2 2026 data
International Bank of Commerce vs Velma Federal Credit Union
Metric by metric
| Measure | International Bank of Commerce | Velma Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 78 (stronger) | 48 |
| Earnings | 75 | 100 (stronger) |
| Funding & liquidity | 90 (stronger) | 59 |
| Problem-loan coverage | 96 (stronger) | 81 |
| Peer percentile | 98th | 62nd |
| Total assets | $1.6B | $3.1M |
| Deposits / shares | $1.2B | $2.6M |
| Capital ratio | 15.53% (stronger) | 15.16% |
| Problem loans | 0.66% (stronger) | 1.55% |
| Net charge-offs | 0.25% (stronger) | 0.30% |
| Return on assets | 1.37% | 2.08% (stronger) |
| Loans ÷ deposits | 54.8% (stronger) | 100.9% |
| Uninsured deposits | 24.2% | 0.0% (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 79). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 5 and Velma 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.