TellerScore

Internal Revenue Employees Federal Credit Union is a federal credit union headquartered in Greensboro, North Carolina, in business for about 86 years. At the end of Q2 2026 it reported $12.2M in total assets and $8.6M in member shares and deposits, with 3 offices across 2 states.

Based on its Q2 2026 filing, Internal Revenue Employees Federal Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 12th. Its strongest component is capital cushion (100/100; 29.40%), and its lowest is earnings (30/100; 0.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 29.40%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings30/100
Return on assets (annualized): 0.25%
Funding & liquidity100/100
Loans ÷ shares: 29.4% · 2.2% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.52%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 10 points (90 → 80), mostly because the earnings component weakened by 25 points.

TellerScore
808691Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202489
Q4 202490
Q1 202591
Q2 202590
Q3 202590
Q4 202586
Q1 202681
Q2 202680
Net worth ratio
7.00%18.20%29.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202424.25%
Q3 202424.67%
Q4 202426.50%
Q1 202527.24%
Q2 202528.63%
Q3 202528.51%
Q4 202528.81%
Q1 202629.19%
Q2 202629.40%
Delinquent loans (60+ days)
0.00%0.37%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.09%
Q2 20250.15%
Q3 20250.03%
Q4 20250.48%
Q1 20260.72%
Q2 20260.75%
Return on assets
0.25%0.62%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.60%
Q4 20240.71%
Q1 20251.00%
Q2 20250.87%
Q3 20250.80%
Q4 20250.76%
Q1 20260.37%
Q2 20260.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$12.2M29.40%0.75%0.25%29.4%
Q1 202681$12.3M29.19%0.72%0.37%30.0%
Q4 202586$12.4M28.81%0.48%0.76%31.5%
Q3 202590$12.5M28.51%0.03%0.80%33.6%
Q2 202590$12.3M28.63%0.15%0.87%34.7%
Q1 202591$12.9M27.24%0.09%1.00%35.3%
Q4 202490$13.1M26.50%0.00%0.71%35.5%
Q3 202489$14.0M24.67%0.00%0.60%33.3%
Q2 202488$14.2M24.25%0.00%0.46%35.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio29.40%
94th
Problem loans0.75%
48th
Net charge-offs0.00%
77th
Return on assets0.25%
29th
Loans to deposits29.4%
89th
Uninsured deposits2.2%
43rd
Loan-loss reserves0.00%
37th
Texas ratio0.5%
74th

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
North Carolina Press Association Federal Credit UnionCredit union Raleigh, NC75 out of 100, Strong$12.0M18.8%2.76%vs
Guco Credit UnionCredit union Greenville, NC81 out of 100, Strong$10.2M17.8%0.13%vs
Greater Kinston Credit UnionCredit union Kinston, NC57 out of 100, Moderate$14.3M12.4%1.28%vs
Allvac Savings and Credit UnionCredit union Monroe, NC90 out of 100, Very strong$9.5M17.6%0.09%vs
Greensboro Postal Credit UnionCredit union Greensboro, NC53 out of 100, Below average$15.6M34.3%5.89%vs
Tcp Credit UnionCredit union Rural Hall, NC73 out of 100, Strong$15.9M17.0%1.23%vs

Deposit insurance

Is my money safe at Internal Revenue Employees Federal Credit Union?

Yes. Internal Revenue Employees Federal Credit Union is a federally insured credit union (NCUA charter #3685). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.2% of shares and deposits ($186K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 29.40%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Internal Revenue Employees Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Internal Revenue Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
3685
RSSD ID
453978
Primary regulator
NCUA
Established
1940
Headquarters
4905 Koger Blvd, Greensboro, NC 27407
Employees
3

Quick answers

Internal Revenue Employees Federal Credit Union: common questions

Is Internal Revenue Employees Federal Credit Union NCUA insured?

Yes. Internal Revenue Employees Federal Credit Union is a federally insured credit union (NCUA charter #3685). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Internal Revenue Employees Federal Credit Union's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Internal Revenue Employees Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Greensboro

InstitutionScoreAssetsCapitalProblem loansCompare
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Summit Credit UnionCredit union Greensboro, NC82 out of 100, Strong$368.8M15.4%0.71%vs
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Acclaim Federal Credit UnionCredit union Greensboro, NC78 out of 100, Strong$60.4M12.9%0.44%vs