Side-by-side · Q2 2026 data
Bay Atlantic Federal Credit Union vs Irco Community Federal Credit Union
Credit union
Bay Atlantic Federal Credit Union
Vineland, 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 | Bay Atlantic Federal Credit Union | Irco Community Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 78 (stronger) |
| Capital cushion | 39 | 51 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 33 | 63 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 32nd | 59th |
| Total assets | $97.1M | $93.7M |
| Deposits / shares | $87.7M | $84.3M |
| Capital ratio | 8.92% | 10.07% (stronger) |
| Problem loans | 0.23% | 0.01% (stronger) |
| Net charge-offs | 0.32% | -0.05% (stronger) |
| Return on assets | 0.33% | 1.07% (stronger) |
| Loans ÷ deposits | 54.5% (stronger) | 59.4% |
| Uninsured deposits | 3.1% | 1.6% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 12.1% |
Irco Community Federal Credit Union has the higher TellerScore (78 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bay Atlantic Federal Credit Union leads on 1 and Irco Community Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.