Federal credit union · GREENSBORO, North Carolina · NCUA charter #3685
Internal Revenue Employees
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $12.4M
- Total assets
- 724
- Members
- 29.2%
- Net-worth ratio
Internal Revenue Employees scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.4M; members 724; net-worth ratio 29.19%; health rank #2,363 of 4,374; healthier than 43rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,363 of 4,374 health · 2025Q4Internal Revenue Employees · health 82/100 · $12.4M · 2025Q4
- ASSETS 82/100
- MEM 29.2%
- RANK 0.48%
- PHOTO 0.75%
- BOOK $12.4M
- CHARTER 724
- NCUSIF #2,363/4,374
- CAMELS SERVICE
- HEALTH 3685
Call Report peers
Internal Revenue Employees in the assets neighbourhood
Internal Revenue Employees's $12.4M assets sit next to SERVICE ($12.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Internal Revenue Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Internal Revenue Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #3685, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Internal Revenue Employees vs $10M–$50M peers
- Net Worth Ratio leads the peer set - 29.19% here, 14.86% peer average (+14.33 pp).
- Loan-to-Share Ratio trails the peer set - 31.45% here, 59.80% peer average (-28.35 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Internal Revenue Employees in North Carolina
- In North Carolina, health place is #27 of 57 on the same NCUA-ratio sort used nationally.
- North Carolina assets place: #50 of 57.
- North Carolina membership ordinal: #55 of 57.
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Internal Revenue Employees: 2025Q4 → 2026Q1
Internal Revenue Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $12.4M (2025Q4) to $12.3M (2026Q1).
- Net-worth ratio shifted +0.38 pp (28.81% → 29.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
29.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.2 pts
- Loan-to-Share Ratio 8.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 29.19% | +14.33 pp |
| Delinquency Rate | 0.48% | -0.67 pp |
| Return on Assets | 0.75% | +0.04 pp |
| Member Growth | -3.21% | - |
| Loan-to-Share Ratio | 31.45% | -28.35 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Internal Revenue Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.3M | - |
| 2025Q4 | $12.4M | 724 |
| 2024Q4 | $13.1M | 748 |
| 2023Q4 | $15.0M | 770 |
Credit Union Details
- Charter Number
- 3685
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- North Carolina
- City
- GREENSBORO
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Internal Revenue Employees, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| IREFCU Main Office (Main Office) | Greensboro, NC |
| TRUIST | Greensboro, NC |
| Main Office | Greensboro, NC |
| CSPI INC | Jefferson City, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
A look at other North Carolina credit unions, ranked by how closely their peer group and asset size match this one.
- NORTH CAROLINA PRESS ASSOCIATIONRALEIGH, NC · $10M–$50M63Health
- GREATER KINSTONKINSTON, NC · $10M–$50M75Health
- TCPRURAL HALL, NC · $10M–$50M80Health
- LITHIUMBESSEMER CITY, NC · $10M–$50M75Health
- GREENSBOROGREENSBORO, NC · $10M–$50M63Health
Compare Internal Revenue Employees vs NORTH CAROLINA PRESS ASSOCIATION
Cross-state Call Report peers for Internal Revenue Employees
Two NCUA Call Report peer sets for Internal Revenue Employees, both outside North Carolina so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Internal Revenue Employees ranks #2,363 of 4,374 nationally on financial health and #27 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Carolina Press Association is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Carolina Press Association
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Internal Revenue Employees financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Internal Revenue Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,363 of 4,374; by total assets it ranks #3,434 of 4,374 nationally (same basis as /rankings/largest); and #50 of 57 within North Carolina. Above 80 reads excellent, below 50 warrants closer monitoring; a 29.19% net worth ratio and 0.48% delinquency rate are the key drivers.
How does Internal Revenue Employees compare to other credit unions?
Internal Revenue Employees scores 82/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Internal Revenue Employees?
Internal Revenue Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Internal Revenue Employees directly to confirm current membership steps.
Is my money safe at Internal Revenue Employees?
Federal credit unions like Internal Revenue Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Internal Revenue Employees's net worth ratio of 29.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Internal Revenue Employees offer compared to banks?
Credit unions like Internal Revenue Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Internal Revenue Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.