Side-by-side · Q2 2026 data
Rutgers Federal Credit Union vs Irco Community Federal Credit Union
Credit union
Rutgers Federal Credit Union
New Brunswick, 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 | Rutgers Federal Credit Union | Irco Community Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 78 |
| Capital cushion | 76 (stronger) | 51 |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 82 (stronger) | 63 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 77th | 59th |
| Total assets | $77.4M | $93.7M |
| Deposits / shares | $67.0M | $84.3M |
| Capital ratio | 12.64% (stronger) | 10.07% |
| Problem loans | 0.39% | 0.01% (stronger) |
| Net charge-offs | 0.52% | -0.05% (stronger) |
| Return on assets | 1.54% (stronger) | 1.07% |
| Loans ÷ deposits | 31.6% (stronger) | 59.4% |
| Uninsured deposits | 6.2% | 1.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.1% |
Rutgers Federal Credit Union has the higher TellerScore (85 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Rutgers Federal Credit Union leads on 4 and Irco Community Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.