Side-by-side · Q2 2026 data
Irco Community Federal Credit Union vs Lehigh Valley Educators Credit Union
Credit union
Irco Community Federal Credit Union
Phillipsburg, New Jersey · Under $100 million in assets
Credit union
Lehigh Valley Educators Credit Union
Allentown, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Irco Community Federal Credit Union | Lehigh Valley Educators Credit Union |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 100 (stronger) | 64 |
| Earnings | 63 (stronger) | 60 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 59th | 83rd |
| Total assets | $93.7M | $485.2M |
| Deposits / shares | $84.3M | $420.5M |
| Capital ratio | 10.07% | 15.46% (stronger) |
| Problem loans | 0.01% (stronger) | 1.09% |
| Net charge-offs | -0.05% (stronger) | 0.23% |
| Return on assets | 1.07% (stronger) | 0.99% |
| Loans ÷ deposits | 59.4% | 28.7% (stronger) |
| Uninsured deposits | 1.6% (stronger) | 5.9% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.1% | 1.8% |
Lehigh Valley Educators Credit Union has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Irco Community Federal Credit Union leads on 4 and Lehigh Valley Educators Credit Union on 3. 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.