Side-by-side · Q2 2026 data
Irving City Employees Federal Credit Union vs The State Credit Union
Credit union
Irving City Employees Federal Credit Union
Irving, Texas · Under $100 million in assets
Credit union
The State Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Irving City Employees Federal Credit Union | The State Credit Union |
|---|---|---|
| TellerScore | 86 | 90 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 81 | 92 (stronger) |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 80th | 89th |
| Total assets | $85.8M | $95.3M |
| Deposits / shares | $75.2M | $75.7M |
| Capital ratio | 11.99% | 19.12% (stronger) |
| Problem loans | 0.56% | 0.25% (stronger) |
| Net charge-offs | 0.05% | -0.00% (stronger) |
| Return on assets | 2.36% (stronger) | 1.26% |
| Loans ÷ deposits | 53.6% (stronger) | 71.2% |
| Uninsured deposits | 3.4% | 1.9% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
The State Credit Union has the higher TellerScore (90 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Irving City Employees Federal Credit Union leads on 2 and The State Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.