Side-by-side · Q2 2026 data
Internationalites Federal Credit Union vs Eddy Federal Credit Union
Credit union
Internationalites Federal Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Internationalites Federal Credit Union | Eddy Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 80 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 4 | 20 (stronger) |
| Funding & liquidity | 73 (stronger) | 70 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 52nd | 65th |
| Total assets | $11.7M | $61.8M |
| Deposits / shares | $9.7M | $50.0M |
| Capital ratio | 17.21% | 18.34% (stronger) |
| Problem loans | 0.20% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 1.30% |
| Return on assets | -0.40% | -0.00% (stronger) |
| Loans ÷ deposits | 87.7% (stronger) | 90.5% |
| Uninsured deposits | 0.0% (stronger) | 6.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Eddy Federal Credit Union has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Internationalites Federal Credit Union leads on 3 and Eddy 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.