Irco Community
Irco Community is a credit union based in Phillipsburg, New Jersey, established in 1966, with $95 million in total assets serving 6,246 members. By Trust Grade it ranks 61st of 127 credit unions we track in New Jersey. Its net worth ratio of 9.8% trails most similarly sized credit unions (15th percentile), versus a New Jersey median of 13.9%. It was profitable over the most recent period, with a 1.17% return on assets. No consumer complaints against Irco Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Irco Community compares to New Jersey peers
How we graded Irco Community
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.8% capital ratio)
- Strongly profitable (ROA 1.17%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Irco Community over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Irco Community insured?
Yes. Irco Community is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Irco Community: frequently asked questions
Is Irco Community a good credit union?
Irco Community earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Well-capitalized (9.8% capital ratio); Strongly profitable (ROA 1.17%).
Is Irco Community NCUA-insured?
Yes. Irco Community is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Irco Community?
Irco Community holds $95 million in total assets, ranking 61st of 127 credit unions we track in New Jersey. It serves 6,246 members.
Does Irco Community have CFPB complaints?
No CFPB complaints against Irco Community appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
