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 34^th largest credit union in the state of New Jersey. It is also the 1,862^nd largest credit union in the nation. It was established in 1966 and as of June of 2019, it had grown to 21 employees and 8,672 members at 1 location. IRCO Community Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership in IRCO Community Federal Credit Union is open to those who live, work, worship, attend school, volunteer, or regularly conduct business in the New Jersey cities of Phillipsburg or Alpha, or the New Jersey townships of Franklin, Greenwich, Harmony, Lopatcong or Pohatcong, or the Pennsylvania counties of Lehigh and Northampton.
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Health

Data as of Q2 2019

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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	0.34%
Return on Equity - YTD	4.45%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$78.6MM$77.4MM
Loans	Q2 2019vs Q2 2018	$39.5MM$39.0MM
Deposits	Q2 2019vs Q2 2018	$72.1MM$71.4MM
Equity Capital	Q2 2019vs Q2 2018	$6.1MM$5.6MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$316.00K$316.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$342.00K$205.00K
Real Estate Owned	Q2 2019vs Q2 2018	$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%	-	-	Vacation Club
0.10%	-	-	IRA Share Savings Account
0.10%	-	-	Holiday Club

IRCO Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$500	-	60 Month CD
1.16%	$500	-	36 Month CD
1.01%^*	$10k^*	-	18 Month CD
OTHER TIERS: 0.50% → $500 - $10k
0.90%	$500	-	30 Month CD
0.80%	$500	-	24 Month CD
0.75%^*	$10k^*	-	12 Month CD
OTHER TIERS: 0.30% → $500 - $10k
0.50%^*	$10k^*	-	6 Month CD
OTHER TIERS: 0.15% → $500 - $10k
0.20%	$500	-	9 Month CD
0.15%	$500	-	3 Month CD

IRCO Community Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.90%	$500	-	30 Month IRA
0.30%	$500	-	12 Month IRA

Locations

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

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