Internal Revenue Employees Federal Credit Union Greensboro, North Carolina
Internal Revenue Employees Federal Credit Union is a federal credit union headquartered in Greensboro, NC, established in 1940 (NCUA charter 3685), and it is regulated and insured by the NCUA. At Q2 2026 it reported 717 members and total assets of $12.2M (down 1.2% from Q2 2025), the 49th largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 29.40% at Q2 2026, in the well capitalized band.
Also written as Internal Revenue Employees FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 3685
- Headquarters
- Greensboro, NC
- Established
- 1940
- Total assets, Q2 2026
- $12.2M
- Assets vs Q2 2025
- -1.2%
- Members, Q2 2026
- 717
- Net worth ratio, Q2 2026
- 29.40%
- Latest call report
- Q2 2026, NCUA 5300 · Internal Revenue Employees Federal Credit Union call report
- Asset rank in state
- 49th of 56 in North Carolina
- Routing number
- 253175973
- Branches
- 4
It has 4 fewer members than on June 30, 2025 (-0.6%). Its net worth ratio was up 0.77 percentage points from 28.63% on June 30, 2025. Used vehicle loans are its largest loan category, $903K of $2.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.75% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 29.40% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in North Carolina
Frequently asked about Internal Revenue Employees Federal Credit Union
How big is Internal Revenue Employees Federal Credit Union?
At Q2 2026 it reported total assets of $12.2M and 717 members.
Where is Internal Revenue Employees Federal Credit Union headquartered?
It is headquartered in Greensboro, NC, United States.
When was Internal Revenue Employees Federal Credit Union founded?
It was established in 1940, per NCUA records.
Is Internal Revenue Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 3685): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Internal Revenue Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Internal Revenue Employees Federal Credit Union well capitalized?
Its net worth ratio was 29.40% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Internal Revenue Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.75% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Internal Revenue Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 29.35% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Greensboro, NC 27407
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1940
- NCUA Charter #
- 3685
- RSSD ID
- 453978
- Members
- 717
- Potential members
- 900
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 29.40% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.12% | 0.72% | 24th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.42% | 4.74% | 23rd bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.54% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 95.20% | 79.83% | 21st bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.52% | 0.78% | 16th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.75% | 0.86% | 56th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.07% | 4.70% | 21st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 29.35% | 58.92% | 11th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$12.2M total assets against $12.3M; $8.6M total shares and deposits against $8.8M; $2.5M total loans against $3.0M.
$3.6M net worth against $3.5M.
29.40% net worth ratio against 28.63%.
29.35% loan-to-share ratio against 34.70%.
0.75% delinquency ratio against 0.15%.
0.12% return on assets against 0.70%; 0.42% return on equity against 2.45%.
2.54% net interest margin against 2.72%.
717 members against 721.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 29.40% | 0.12% | 0.75% | 29.35% |
| March 31, 2026 | 29.19% | 0.37% | 0.72% | 29.96% |
| December 31, 2025 | 28.81% | 0.62% | 0.48% | 31.45% |
| September 30, 2025 | 28.51% | 0.67% | 0.03% | 33.64% |
| June 30, 2025 | 28.63% | 0.70% | 0.15% | 34.70% |
| March 31, 2025 | 27.24% | 1.00% | 0.09% | 35.32% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.