BlastPoint's Credit Union Scorecard
IRCO COMMUNITY
Charter #17395 · NJ
IRCO COMMUNITY has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 2.1% in tier
- + Total Assets: Top 3.1% in tier
- + Net Charge-Off Rate: Top 4.1% in tier
- + Total Loans: Top 4.4% in tier
- + Total Members: Top 7.1% in tier
- + Loan Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Efficiency ratio 4.23% above tier (higher cost structure)
- - Member decline: -6.0% YoY
- - First Mortgage Concentration (%): Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,625
-6.0% YoY-1.0% QoQ
|
+4.0K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 7.2% in tier |
| Assets |
$91.4M
-1.3% YoY-1.8% QoQ
|
+$61.6M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Top 3.2% in tier |
| Loans |
$52.3M
+11.3% YoY+2.7% QoQ
|
+$36.6M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Top 4.5% in tier |
| Deposits |
$82.1M
-2.7% YoY-2.9% QoQ
|
+$56.6M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 2.2% in tier |
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| ROA |
0.7%
+634.6% YoY+14.9% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
45% |
| NIM |
4.2%
+17.7% YoY+3.7% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
85.6%
-10.3% YoY-1.5% QoQ
|
+4.2% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
1.0%
+3514.2% YoY+5.3% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
63.8%
+14.4% YoY+5.9% QoQ
|
+2.5% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$20,295
+8.9% YoY+0.2% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
4.8%
-3.9% YoY+6.3% QoQ
|
-19.6% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)