Side-by-side · Q2 2026 data
Irco Community Federal Credit Union vs Union Building Trades Federal Credit Union
Credit union
Irco Community Federal Credit Union
Phillipsburg, New Jersey · Under $100 million in assets
Credit union
Union Building Trades Federal Credit Union
Parsippany, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Irco Community Federal Credit Union | Union Building Trades Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 71 |
| Capital cushion | 51 | 78 (stronger) |
| Loan quality | 100 (stronger) | 72 |
| Earnings | 63 (stronger) | 29 |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 59th | 42nd |
| Total assets | $93.7M | $85.8M |
| Deposits / shares | $84.3M | $71.7M |
| Capital ratio | 10.07% | 12.78% (stronger) |
| Problem loans | 0.01% (stronger) | 0.84% |
| Net charge-offs | -0.05% (stronger) | 0.04% |
| Return on assets | 1.07% (stronger) | 0.22% |
| Loans ÷ deposits | 59.4% (stronger) | 60.9% |
| Uninsured deposits | 1.6% (stronger) | 1.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.1% | — |
Irco Community Federal Credit Union has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Irco Community Federal Credit Union leads on 6 and Union Building Trades Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.