Side-by-side · Q2 2026 data
International Finance Bank vs Educational Federal Credit Union
Metric by metric
| Measure | International Finance Bank | Educational Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 84 (stronger) |
| Capital cushion | 33 | 100 (stronger) |
| Loan quality | 90 (stronger) | 80 |
| Earnings | 68 (stronger) | 59 |
| Funding & liquidity | 69 | 87 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 40th | 93rd |
| Total assets | $1.6B | $1.8B |
| Deposits / shares | $1.5B | $1.6B |
| Capital ratio | 8.31% | 15.45% (stronger) |
| Problem loans | 0.30% (stronger) | 0.61% |
| Net charge-offs | 0.00% (stronger) | 0.49% |
| Return on assets | 1.20% (stronger) | 0.99% |
| Loans ÷ deposits | 90.4% | 73.0% (stronger) |
| Uninsured deposits | 15.3% | 9.5% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | 41.6% |
Educational Federal Credit Union has the higher TellerScore (84 vs 66). On the 7 directional measures above (where higher or lower is clearly better), International Finance Bank leads on 3 and Educational Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.