Side-by-side · Q2 2026 data
Unity Bank vs Irco Community Federal Credit Union
Credit union
Irco Community Federal Credit Union
Phillipsburg, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Unity Bank | Irco Community Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 79 (stronger) | 51 |
| Loan quality | 59 | 100 (stronger) |
| Earnings | 96 (stronger) | 63 |
| Funding & liquidity | 23 | 100 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 53rd | 59th |
| Total assets | $3.2B | $93.7M |
| Deposits / shares | $2.5B | $84.3M |
| Capital ratio | 12.88% (stronger) | 10.07% |
| Problem loans | 1.23% | 0.01% (stronger) |
| Net charge-offs | -0.01% | -0.05% (stronger) |
| Return on assets | 1.91% (stronger) | 1.07% |
| Loans ÷ deposits | 107.5% | 59.4% (stronger) |
| Uninsured deposits | 42.1% | 1.6% (stronger) |
| Offices | 22 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 12.1% |
Irco Community Federal Credit Union has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Unity Bank leads on 2 and Irco Community Federal Credit Union on 5. 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.
Where both have branches
- Phillipsburg, NJ