IRCO COMMUNITY
Federal • Phillipsburg, New Jersey • Est. 1966
Quick Facts
- Charter Number
- #17395
- Type
- Federal
- Established
- 1966
- Headquarters
- Phillipsburg, New Jersey 08865
- Address
- 450 Hillcrest Blvd
- Branches
- 2
- ATMs
- 4
- Members
- 6,542
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
6,542 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | IRCO COMMUNITY |
|---|---|
| Total Assets | $93.8M |
| Members | 6,542 |
| Loans Outstanding | $52.1M |
| Shares & Deposits | $84.5M |
| Net Worth | $8.9M |
| Net Worth Ratio | 9.54% |
| Loan-to-Share Ratio | 61.7% |
| Delinquency Rate | 0.96% |
| Net Income | +$629,283 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 4 ATMs
Main Office
Main Office450 Hillcrest Blvd
Phillipsburg, NJ 08865
Easton Office
2925 William Penn Hwy
Easton, PA 18045
Who Can Join IRCO COMMUNITY?
Membership Type: Other/Unknown
Membership eligibility for IRCO COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact IRCO COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New Jersey RankingsFrequently Asked Questions
Yes. IRCO COMMUNITY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, IRCO COMMUNITY has 6,542 members and a potential membership field of 711,000 people.
IRCO COMMUNITY's net worth ratio is 9.54% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.5%, IRCO COMMUNITY meets this threshold.
IRCO COMMUNITY operates 2 branch locations and has access to 4 ATMs. The main office is located at 450 Hillcrest Blvd, Phillipsburg, NJ 08865.
IRCO COMMUNITY was established in 1966. It is a federal credit union chartered under charter number 17395. The institution has been serving members for 60 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or IRCO COMMUNITY. All financial data is for informational purposes only.