Headquartered in Phillipsburg, New Jersey, Irco Community Federal Credit Union is a federal credit union with $93.7M in total assets and $84.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1966.
Irco Community Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 59% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 27th. Loan quality contributes the most (100/100, 0.01%); capital cushion contributes the least (51/100, 10.07%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 16 points (62 → 78), mostly because the loan quality component improved by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 67 |
| Q4 2024 | 63 |
| Q1 2025 | 70 |
| Q2 2025 | 62 |
| Q3 2025 | 63 |
| Q4 2025 | 63 |
| Q1 2026 | 78 |
| Q2 2026 | 78 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.75% |
| Q3 2024 | 9.01% |
| Q4 2024 | 9.17% |
| Q1 2025 | 9.08% |
| Q2 2025 | 9.26% |
| Q3 2025 | 9.63% |
| Q4 2025 | 9.54% |
| Q1 2026 | 9.75% |
| Q2 2026 | 10.07% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.03% |
| Q4 2025 | 0.96% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.01% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.64% |
| Q1 2026 | 1.17% |
| Q2 2026 | 1.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $93.7M | 10.07% | 0.01% | 1.07% | 59.4% |
| Q1 2026 | 78 | $94.6M | 9.75% | 0.02% | 1.17% | 60.3% |
| Q4 2025 | 63 | $93.8M | 9.54% | 0.96% | 0.64% | 61.7% |
| Q3 2025 | 63 | $91.4M | 9.63% | 1.03% | 0.68% | 63.8% |
| Q2 2025 | 62 | $93.1M | 9.26% | 0.98% | 0.59% | 60.2% |
| Q1 2025 | 70 | $93.0M | 9.08% | 0.01% | 0.40% | 58.4% |
| Q4 2024 | 63 | $91.1M | 9.17% | 0.43% | 0.08% | 56.5% |
| Q3 2024 | 67 | $92.6M | 9.01% | 0.03% | 0.09% | 55.8% |
| Q2 2024 | 55 | $95.0M | 8.75% | 1.15% | 0.07% | 52.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Central Jersey Federal Credit UnionCredit union Woodbridge, NJ | 67 out of 100, Moderate | $93.2M | 10.6% | 0.98% | vs |
| Bay Atlantic Federal Credit UnionCredit union Vineland, NJ | 66 out of 100, Moderate | $97.1M | 8.9% | 0.23% | vs |
| Ridgedale Federal Credit UnionCredit union East Hanover, NJ | 53 out of 100, Below average | $98.0M | 9.1% | 1.04% | vs |
| Union Building Trades Federal Credit UnionCredit union Parsippany, NJ | 71 out of 100, Strong | $85.8M | 12.8% | 0.84% | vs |
| B-M S Federal Credit UnionCredit union New Brunswick, NJ | 80 out of 100, Strong | $81.7M | 21.1% | 0.54% | vs |
| Rutgers Federal Credit UnionCredit union New Brunswick, NJ | 85 out of 100, Very strong | $77.4M | 12.6% | 0.39% | vs |
Deposit insurance
Is my money safe at Irco Community Federal Credit Union?
Yes. Irco Community Federal Credit Union is a federally insured credit union (NCUA charter #17395). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 1.6% of shares and deposits ($1.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 10.07%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Irco Community Federal Credit Union lists 1 office in 1 city. Most locations:
- Phillipsburg, NJ (1)
HMDA 2025
Mortgage lending
In 2025, Irco Community Federal Credit Union reported 117 home-loan applications under HMDA (LEI 2549006803O7LX222108): 100 originated ($13,020,000 total), 14 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Irco Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 17395
- RSSD ID
- 437080
- Primary regulator
- NCUA
- Established
- 1966
- Headquarters
- 450 Hillcrest Blvd, Phillipsburg, NJ 08865
- Employees
- 21
Quick answers
Irco Community Federal Credit Union: common questions
Is Irco Community Federal Credit Union NCUA insured?
Yes. Irco Community Federal Credit Union is a federally insured credit union (NCUA charter #17395). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Irco Community Federal Credit Union's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Irco Community Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Phillipsburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| B. Braun Federal Credit UnionCredit union Allentown, PA | 100 out of 100, Very strong | $1.9M | 25.1% | 0.00% | vs |
| Lehigh County Employees Federal Credit UnionCredit union Allentown, PA | 96 out of 100, Very strong | $33.1M | 15.7% | 0.00% | vs |
| Northampton Area School Dist. Emps Federal Credit UnionCredit union Northampton, PA | 95 out of 100, Very strong | $11.7M | 20.9% | 0.09% | vs |
| Aac Credit UnionCredit union Grand Rapids, MI | 90 out of 100, Very strong | $212.4M | 24.2% | 0.36% | vs |
| Allentown Federal Credit UnionCredit union Allentown, PA | 86 out of 100, Very strong | $127.7M | 16.5% | 0.76% | vs |
| Lehigh Valley Educators Credit UnionCredit union Allentown, PA | 83 out of 100, Strong | $485.2M | 15.5% | 1.09% | vs |