Side-by-side · Q2 2026 data
Irco Community Federal Credit Union vs Aac Credit Union
Credit union
Irco Community Federal Credit Union
Phillipsburg, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Irco Community Federal Credit Union | Aac Credit Union |
|---|---|---|
| TellerScore | 78 | 90 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 63 | 78 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 59th | 95th |
| Total assets | $93.7M | $212.4M |
| Deposits / shares | $84.3M | $158.1M |
| Capital ratio | 10.07% | 24.16% (stronger) |
| Problem loans | 0.01% (stronger) | 0.36% |
| Net charge-offs | -0.05% (stronger) | 0.08% |
| Return on assets | 1.07% | 1.46% (stronger) |
| Loans ÷ deposits | 59.4% (stronger) | 75.1% |
| Uninsured deposits | 1.6% (stronger) | 5.3% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.1% | 12.5% |
Aac Credit Union has the higher TellerScore (90 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Irco Community Federal Credit Union leads on 4 and Aac Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.