Side-by-side · Q2 2026 data
First Hope Bank, A National Banking Association vs Irco Community Federal Credit Union
Bank
First Hope Bank, A National Banking Association
Hope, New Jersey · $100 million – $1 billion
Credit union
Irco Community Federal Credit Union
Phillipsburg, New Jersey · Under $100 million in assets
Metric by metric
| Measure | First Hope Bank, A National Banking Association | Irco Community Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 50 | 51 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 51 | 63 (stronger) |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 43rd | 59th |
| Total assets | $656.7M | $93.7M |
| Deposits / shares | $585.6M | $84.3M |
| Capital ratio | 10.02% | 10.07% (stronger) |
| Problem loans | 0.00% (stronger) | 0.01% |
| Net charge-offs | 0.02% | -0.05% (stronger) |
| Return on assets | 0.78% | 1.07% (stronger) |
| Loans ÷ deposits | 74.6% | 59.4% (stronger) |
| Uninsured deposits | 33.9% | 1.6% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 12.1% |
Irco Community Federal Credit Union has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Hope Bank, A National Banking Association leads on 1 and Irco Community Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.