Overview / Commentary
908-859-1811
450 Hillcrest Blvd
Phillipsburg, NJ 08865

IRCO Community Federal Credit Union is headquartered in Phillipsburg and is the 36th largest credit union in the state of New Jersey. It is also the 1,877th largest credit union in the nation. It was established in 1966 and as of June of 2018, it had grown to 21 employees and 8,648 members at 1 location. IRCO Community Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school, volunteer or regularly conduct business in Phillipsburg or Alpha or the Townships of Franklin, Greenwich, Harmony, Lopatcong and Pohatcong, New Jersey.
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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. IRCO Community Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #17395
Year Chartered1966
Employees21
Primary Regulator
Profit Margin
Return on Assets - YTD0.25%
Return on Equity - YTD3.42%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$77.4MM$75.7MM
LoansQ2 2018vs Q2 2017$39.0MM$38.8MM
DepositsQ2 2018vs Q2 2017$71.4MM$70.8MM
Equity CapitalQ2 2018vs Q2 2017$5.6MM$4.9MM
Loan Loss AllowanceQ2 2018vs Q2 2017$316.00K$269.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$205.00K$283.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$154.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

IRCO Community Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Share Savings Account
0.10%--IRA Share Savings Account
0.10%--Club Accounts

IRCO Community Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.91%$500-60 Month CD
1.81%*$10k*-18 Month CD
OTHER TIERS: 0.75% $500 - $10k
1.16%$500-36 Month CD
1.06%$500-30 Month CD
0.95%$500-24 Month CD
0.85%*$10k*-12 Month CD
OTHER TIERS: 0.45% $500 - $10k
0.55%*$10k*-6 Month CD
OTHER TIERS: 0.25% $500 - $10k
0.35%$500-9 Month CD
0.20%$500-3 Month CD

IRCO Community Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.06%$500-30 Month IRA
0.65%$500-12 Month IRA
Locations


IRCO Community Federal Credit Union Locations
Branch Office450 Hillcrest BlvdPhillipsburg, NJ 08865

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