IRCO COMMUNITY Credit Union Profile

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IRCO COMMUNITY

Charter #17395 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (908) 859-1811

Fax: (908) 859-2118

Founding Date: N/A

Website: https://www.ircocu.com

Personnel & Operations

President: Chando, George

Manager: Smith, Tracey

FT Employees: 16

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 2

Hours: Monday - Thursday 9-5 Friday 9-6 Saturda

Credit Union Profile Summary

IRCO COMMUNITY is a FCU Credit Union. With a total of 6,695 members [1], this institution manages approximately $93,067,622 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.26% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 11.28% [1].

Financial Snapshot

Total Assets [1]
$93,067,622

Total economic resources.

Total Loans [1]
$50,948,827

Total value of outstanding loans.

Total Deposits [1]
$84,596,061

Total funds deposited by members.

Members [1]
6,695

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.26%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.59%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
60.23%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -2.01%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 11.28%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -6.10%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

450 Hillcrest Blvd

Phillipsburg, NJ, 08865
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by IRCO COMMUNITY (Charter #17395).

Main Office

Main Office Main Office

Type: Corporate Office

450 Hillcrest Blvd

Phillipsburg, NJ 08865

Phone: (908) 859-1811

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Easton

Easton Office

Type: Branch Office

2240 Northampton St

Easton, PA 18042-3154

Phone: (610) 258-0123

Services: Member Services, ATM

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