IRCO Community Federal Credit Union

Phillipsburg, NJ

Rating Date

September 2025

Net Capital
Ratio

Leverage
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Weiss Ratings	IRCO Community Federal Credit Union Phillipsburg, NJ	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	6.70
Capitalization Index	6.80
Liquidity Index	3.70
Profitability Index	3.90
Stability Index	3.40

Company Info	IRCO Community Federal Credit Union Phillipsburg, NJ	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	3191
Phone Number	(908) 859-1811
Website	www.ircocu.org

Asset Quality	IRCO Community Federal Credit Union Phillipsburg, NJ	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-2.01%
5-Year Asset Growth	3.18%
5-Year Charge-Offs to Average Loans	0.37%
Charge-Offs to Average Loans	-0.01%
Non-Performing Assets to Assets	0.54%
Non-Performing Loans to Capital	6.31%
Non-Performing Loans to Loans	0.98%

Balance Sheet	IRCO Community Federal Credit Union Phillipsburg, NJ	Click to Compare	Click to Compare	Click to Compare
Total Assets	93.07M
Total Deposits	84.60M

Capital and Reserves	IRCO Community Federal Credit Union Phillipsburg, NJ	Click to Compare	Click to Compare	Click to Compare
Capital	7.69M
Leverage Ratio	9.26
Loan Loss Reserves to Loans	0.45%

Liquidity	IRCO Community Federal Credit Union Phillipsburg, NJ	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	0.47%
Liquidity Ratio	24.30%

Profitability	IRCO Community Federal Credit Union Phillipsburg, NJ	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.18%
Net Income	272.00K
Net Interest Spread	4.81%
Operating Profit to Average Assets	0.64%
Overhead Efficiency Ratio	86.99%
Return on Assets	0.59%
Return on Equity	7.22%