Federal credit union · Phillipsburg, New Jersey · NCUA charter #17395
Irco Community
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $93.8M
- Total assets
- 6,542
- Members
- 9.8%
- Net-worth ratio
Irco Community scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $93.8M; members 6,542; net-worth ratio 9.75%; health rank #3,546 of 4,374; healthier than 18th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,546 of 4,374 health · 2025Q4Irco Community · health 71/100 · $93.8M · 2025Q4
Call Report peers
Irco Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Irco Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Irco Community sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Irco Community vs $50M–$100M peers
- Largest favorable gap: Delinquency Rate at 0.96% vs peer 0.96% (-0.00 pp).
- Largest lag: Net Worth Ratio at 9.75% vs peer 13.62% (-3.87 pp).
Irco Community in New Jersey
- New Jersey health ordinal: #74 of 127.
- By total assets, Irco Community is #32 of 127 in New Jersey.
- Membership ranks #31 of 127 among New Jersey CUs with a reported count (6,542 members).
- One place up in New Jersey, Liberty Savings (#73) ties at 71/100; one place down, Nj Gateway (#75) ties at 71/100.
Irco Community: 2025Q4 → 2026Q1
Irco Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $93.8M (2025Q4) to $94.6M (2026Q1).
- Net-worth ratio shifted +0.21 pp (9.54% → 9.75%).
At 9.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Irco Community gives up 29 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio loses the least, 0.6.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 20.4 pts
- Return on Assets 8.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.75% | -3.87 pp |
| Delinquency Rate | 0.96% | -0.00 pp |
| Return on Assets | 0.08% | -0.58 pp |
| Member Growth | -5.87% | - |
| Loan-to-Share Ratio | 61.66% | -0.94 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $94.6M | - |
| 2025Q4 | $93.8M | 6,542 |
| 2024Q4 | $91.1M | 6,950 |
| 2023Q4 | $94.3M | 7,291 |
Credit Union Details
- Charter Number
- 17395
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New Jersey
- City
- Phillipsburg
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Irco Community, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Phillipsburg, NJ |
| Easton Office | Easton, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Cross-state Call Report peers for Irco Community
Using this data
- Irco Community ranks #3,546 of 4,374 nationally on financial health and #74 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bay Atlantic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bay Atlantic
Frequently Asked Questions
Is Irco Community financially healthy?
Irco Community has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,546 of 4,374 nationally on health and #74 of 127 in New Jersey. Its net worth ratio is 9.75% and its delinquency rate 0.96%.
How does Irco Community compare to other credit unions?
Irco Community scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.96% vs 0.96%). Its widest shortfall is net worth ratio (9.75% vs 13.62%).
How can I join Irco Community?
Irco Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Irco Community directly for the exact boundaries and application steps.
Is my money safe at Irco Community?
Irco Community is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Irco Community's net worth ratio of 9.75% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.