C
IRCO Community Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
9.62
Leverage
Ratio
9.64
Return On
Assets
0.67%
Total
Assets
91.43M
Capital
8.18M
Total
Deposits
82.10M
Net
Income
465.00K
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Weiss Ratings IRCO Community Federal Credit Union
Phillipsburg, NJ 		Click to
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Rating C
Asset Quality Index 6.70
Capitalization Index 7.20
Liquidity Index 3.60
Profitability Index 4.50
Stability Index 3.70
Company Info IRCO Community Federal Credit Union
Phillipsburg, NJ 		Click to
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NCUA Charter Number 3191
Phone Number (908) 859-1811
Website www.ircocu.org
Asset Quality IRCO Community Federal Credit Union
Phillipsburg, NJ 		Click to
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1-Year Asset Growth -1.28%
5-Year Asset Growth 3.18%
5-Year Charge-Offs to Average Loans 0.37%
Charge-Offs to Average Loans -0.11%
Non-Performing Assets to Assets 0.59%
Non-Performing Loans to Capital 6.40%
Non-Performing Loans to Loans 1.03%
Balance Sheet IRCO Community Federal Credit Union
Phillipsburg, NJ 		Click to
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Total Assets 91.43M
Total Deposits 82.10M
Capital and Reserves IRCO Community Federal Credit Union
Phillipsburg, NJ 		Click to
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Capital 8.18M
Leverage Ratio 9.64
Loan Loss Reserves to Loans 0.51%
Liquidity IRCO Community Federal Credit Union
Phillipsburg, NJ 		Click to
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Hot Money Ratio 0.55%
Liquidity Ratio 24.08%
Profitability IRCO Community Federal Credit Union
Phillipsburg, NJ 		Click to
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5-Year Return on Average Assets 0.18%
Net Income 465.00K
Net Interest Spread 4.93%
Operating Profit to Average Assets 0.71%
Overhead Efficiency Ratio 85.64%
Return on Assets 0.67%
Return on Equity 8.09%