Side-by-side · Q2 2026 data
Triad Business Bank vs Internal Revenue Employees Federal Credit Union
Credit union
Internal Revenue Employees Federal Credit Union
Greensboro, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Triad Business Bank | Internal Revenue Employees Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 80 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 54 | 75 (stronger) |
| Earnings | 27 | 30 (stronger) |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 8th | 65th |
| Total assets | $536.0M | $12.2M |
| Deposits / shares | $477.1M | $8.6M |
| Capital ratio | 10.86% | 29.40% (stronger) |
| Problem loans | 1.38% | 0.75% (stronger) |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | 0.18% | 0.25% (stronger) |
| Loans ÷ deposits | 85.4% | 29.4% (stronger) |
| Uninsured deposits | 36.3% | 2.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Internal Revenue Employees Federal Credit Union has the higher TellerScore (80 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Triad Business Bank leads on 0 and Internal Revenue Employees Federal Credit Union on 7. 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.