IRCO Community Federal Credit Union

Overview / Commentary

www.ircocu.org

908-859-1811

450 Hillcrest Blvd
Phillipsburg, NJ 08865

IRCO Community Federal Credit Union is headquartered in Phillipsburg and is the 35^th largest credit union in the state of New Jersey. It is also the 1,870^th largest credit union in the nation. It was established in 1966 and as of December of 2018, it had grown to 21 employees and 8,665 members at 1 location. IRCO Community Federal Credit Union's CD rates are 29% higher than the national average, and it 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+

Data as of Q4 2018

Learn why bank health matters

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 Chartered	1966
Employees	21
Primary Regulator

Profit Margin
Return on Assets - YTD	0.31%
Return on Equity - YTD	4.04%
Annual Interest Income	$2.8MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$76.0MM$75.2MM
Loans	Q4 2018vs Q4 2017	$39.6MM$38.9MM
Deposits	Q4 2018vs Q4 2017	$70.0MM$69.3MM
Equity Capital	Q4 2018vs Q4 2017	$5.8MM$5.5MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$316.00K$316.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$389.00K$229.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.10%	-	-	Share Savings Account
0.10%	-	-	IRA Share Savings Account
0.10%	-	-	Club Accounts

IRCO Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%	$500	-	60 Month CD
1.76%	$500	-	36 Month CD
1.66%	$500	-	30 Month CD
1.61%	$500	-	24 Month CD
1.51%^*	$10k^*	-	18 Month CD
OTHER TIERS: 0.75% → $500 - $10k
1.16%^*	$10k^*	-	12 Month CD
OTHER TIERS: 0.45% → $500 - $10k
0.65%^*	$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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.36%	$500	-	30 Month IRA
1.01%	$500	-	12 Month IRA

Locations

IRCO Community Federal Credit Union Locations
Branch Office	450 Hillcrest Blvd	Phillipsburg, NJ 08865

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