IRCO COMMUNITY
Charter #17395 · Phillipsburg, NJ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.18% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.43% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.15% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.02% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.08% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | IRCO COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $94.64M | 93th pct | 57th pct |
| Members | 6,246 | 69th pct | 59th pct |
| Net worth ratio | 9.75% | 18th pct | 30th pct |
| Return on average assets | 1.18% | 73th pct | 84th pct |
| Net interest margin | 4.43% | 85th pct | 95th pct |
| Cost of funds | 0.15% | 8th pct | 7th pct |
| Loan-to-share | 60.29% | 49th pct | 41th pct |
| Delinquency 60+ days | 0.02% | 2th pct | 8th pct |
| Net charge-off ratio | -0.08% | 5th pct | 3th pct |
| Loan growth YoY | -1.78% | 48th pct | 43th pct |
| Share growth YoY | 3.87% | 63th pct | 66th pct |
| Efficiency ratio | 78.47% | 46th pct | 31th pct |
structural peer set hash: 27c07b97c8ec87c9d6898d07aeceae42… (reproducible)
Closest structural peers
This is the free public view
Claim IRCO COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.