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
Call Report peers
Internal Revenue Employees in the assets neighbourhood
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Internal Revenue Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Internal Revenue Employees sits in 80-84 with 767 others.
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 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).
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.
- One place up in North Carolina, TRULIANT (#26) scores 83/100, 1 point higher; one place down, ARCADE (#28) ties at 82/100.
Internal Revenue Employees: 2025Q4 → 2026Q1
Internal Revenue Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $12.4M (2025Q4) to $12.3M (2026Q1).
- Net-worth ratio shifted +0.38 pp (28.81% → 29.19%).
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
Internal Revenue Employees gives up 18 points in total. Member Growth costs the most, 11.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Internal Revenue Employees financially healthy?
Internal Revenue Employees has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,363 of 4,374 nationally on health and #27 of 57 in North Carolina. Its net worth ratio is 29.19% and its delinquency rate 0.48%.
How does Internal Revenue Employees compare to other credit unions?
Internal Revenue Employees scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (29.19% vs 14.86%). Its widest shortfall is loan-to-share ratio (31.45% vs 59.80%).
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?
Internal Revenue Employees is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.