Side-by-side · Q2 2026 data
Irving City Employees Federal Credit Union vs Light Commerce Credit Union
Credit union
Irving City Employees Federal Credit Union
Irving, Texas · Under $100 million in assets
Metric by metric
| Measure | Irving City Employees Federal Credit Union | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 86 | 92 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 81 (stronger) | 69 |
| Earnings | 100 | 100 |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 80th | 92nd |
| Total assets | $85.8M | $5.0M |
| Deposits / shares | $75.2M | $3.6M |
| Capital ratio | 11.99% | 26.81% (stronger) |
| Problem loans | 0.56% (stronger) | 0.93% |
| Net charge-offs | 0.05% (stronger) | 0.57% |
| Return on assets | 2.36% | 2.37% (stronger) |
| Loans ÷ deposits | 53.6% (stronger) | 62.1% |
| Uninsured deposits | 3.4% | 0.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Irving City Employees Federal Credit Union leads on 3 and Light Commerce 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.