Side-by-side · Q2 2026 data
Irving City Employees Federal Credit Union vs Memorial 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 | Memorial Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 62 |
| Capital cushion | 70 (stronger) | 61 |
| Loan quality | 81 (stronger) | 78 |
| Earnings | 100 (stronger) | 21 |
| Funding & liquidity | 100 (stronger) | 70 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 80th | 24th |
| Total assets | $85.8M | $84.2M |
| Deposits / shares | $75.2M | $74.3M |
| Capital ratio | 11.99% (stronger) | 11.14% |
| Problem loans | 0.56% (stronger) | 0.66% |
| Net charge-offs | 0.05% (stronger) | 0.61% |
| Return on assets | 2.36% (stronger) | 0.02% |
| Loans ÷ deposits | 53.6% (stronger) | 89.8% |
| Uninsured deposits | 3.4% | 2.5% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Irving City Employees Federal Credit Union has the higher TellerScore (86 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Irving City Employees Federal Credit Union leads on 6 and Memorial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.