Side-by-side · Q2 2026 data
B-M S Federal Credit Union vs Irco Community Federal Credit Union
Credit union
B-M S Federal Credit Union
New Brunswick, New Jersey · Under $100 million in assets
Credit union
Irco Community Federal Credit Union
Phillipsburg, New Jersey · Under $100 million in assets
Metric by metric
| Measure | B-M S Federal Credit Union | Irco Community Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 25 | 63 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 65th | 59th |
| Total assets | $81.7M | $93.7M |
| Deposits / shares | $65.7M | $84.3M |
| Capital ratio | 21.09% (stronger) | 10.07% |
| Problem loans | 0.54% | 0.01% (stronger) |
| Net charge-offs | 0.27% | -0.05% (stronger) |
| Return on assets | 0.13% | 1.07% (stronger) |
| Loans ÷ deposits | 37.7% (stronger) | 59.4% |
| Uninsured deposits | 13.2% | 1.6% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.1% |
B-M S Federal Credit Union has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), B-M S Federal Credit Union leads on 3 and Irco Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.