IRCO Community Federal Credit Union


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

IRCO Community Federal Credit Union is headquartered in Phillipsburg and is the 35th largest credit union in the state of New Jersey. It is also the 1,870th 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.
See current membership details

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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 - YTD0.31%
Return on Equity - YTD4.04%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$76.0MM$75.2MM
LoansQ4 2018vs Q4 2017$39.6MM$38.9MM
DepositsQ4 2018vs Q4 2017$70.0MM$69.3MM
Equity CapitalQ4 2018vs Q4 2017$5.8MM$5.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$316.00K$316.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$389.00K$229.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.36%$500-30 Month IRA
1.01%$500-12 Month IRA
Locations


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

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