Side-by-side · Q2 2026 data
Ridgedale Federal Credit Union vs Irco Community Federal Credit Union
Credit union
Ridgedale Federal Credit Union
East Hanover, 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 | Ridgedale Federal Credit Union | Irco Community Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 78 (stronger) |
| Capital cushion | 41 | 51 (stronger) |
| Loan quality | 65 | 100 (stronger) |
| Earnings | 5 | 63 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 12th | 59th |
| Total assets | $98.0M | $93.7M |
| Deposits / shares | $89.1M | $84.3M |
| Capital ratio | 9.09% | 10.07% (stronger) |
| Problem loans | 1.04% | 0.01% (stronger) |
| Net charge-offs | 0.57% | -0.05% (stronger) |
| Return on assets | -0.36% | 1.07% (stronger) |
| Loans ÷ deposits | 51.6% (stronger) | 59.4% |
| Uninsured deposits | 7.0% | 1.6% (stronger) |
| Offices | 2 | 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 53). On the 7 directional measures above (where higher or lower is clearly better), Ridgedale 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.