Side-by-side · Q2 2026 data
Internationalites Federal Credit Union vs U-1st Community Federal Credit Union
Credit union
Internationalites Federal Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Credit union
U-1st Community Federal Credit Union
Carlsbad, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Internationalites Federal Credit Union | U-1st Community Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 4 (stronger) | 0 |
| Funding & liquidity | 73 | 85 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 52nd | 49th |
| Total assets | $11.7M | $9.3M |
| Deposits / shares | $9.7M | $8.0M |
| Capital ratio | 17.21% (stronger) | 14.38% |
| Problem loans | 0.20% (stronger) | 0.24% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | -0.40% (stronger) | -1.47% |
| Loans ÷ deposits | 87.7% | 74.9% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.2% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Internationalites Federal Credit Union has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Internationalites Federal Credit Union leads on 5 and U-1st Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.