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
- NW 71/100
- DELQ 9.8%
- ROA 0.96%
- ASSETS 0.08%
- MEM $93.8M
- RANK 6,542
- PHOTO #3,546/4,374
- BOOK Eagle One
- CHARTER 17395
Call Report peers
Irco Community in the assets neighbourhood
Irco Community's $93.8M assets sit next to Eagle One ($93.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #17395: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Irco Community: 2025Q4 → 2026Q1
Irco Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $93.8M (2025Q4) to $94.6M (2026Q1).
- Net-worth ratio shifted +0.21 pp (9.54% → 9.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Irco Community's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($93.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Irco Community financially healthy?
Irco Community scores 71/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,546 of 4,374; by total assets it ranks #1,879 of 4,374 nationally (same basis as /rankings/largest); and #32 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.75% net worth ratio and a 0.96% delinquency rate.
How does Irco Community compare to other credit unions?
Irco Community scores 71/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Irco Community are 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."
What rates does Irco Community offer compared to banks?
Credit unions like Irco Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Irco Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.