BlastPoint's Credit Union Scorecard
IRCO COMMUNITY
Charter #17395 · NJ
IRCO COMMUNITY has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.03% above tier average
- + Net Interest Margin 0.40% above tier average
- + Total Deposits: Top 0.7% in tier
- + Total Assets: Top 1.7% in tier
- + Total Loans: Top 4.1% in tier
- + AMR Growth Rate: Top 7.6% in tier
- + Total Members: Top 7.7% in tier
- + Fee Income Per Member: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -8.5% YoY
- - First Mortgage Concentration (%): Bottom 7.7% in tier
- - Member Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,246
-8.5% YoY-4.5% QoQ
|
+3.6K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Top 7.7% in tier |
| Assets |
$94.6M
+1.7% YoY+0.9% QoQ
|
+$64.4M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Top 1.8% in tier |
| Loans |
$51.4M
+4.0% YoY-1.4% QoQ
|
+$36.1M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Top 4.2% in tier |
| Deposits |
$85.3M
+0.7% YoY+0.9% QoQ
|
+$59.5M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Top 0.8% in tier |
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| ROA |
1.2%
+193.9% YoY+80.0% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
75% |
| NIM |
4.4%
+10.7% YoY+3.5% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
74% |
| Efficiency Ratio |
78.5%
-12.3% YoY-8.9% QoQ
|
-12.2% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
42% |
| Delinquency Rate |
0.0%
-98.4% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Top 14.5% in tier |
| Loan To Share |
60.3%
+3.3% YoY-2.2% QoQ
|
+1.8% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$21,885
+11.3% YoY+4.8% QoQ
|
+$7K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
84% |
| CD Concentration |
4.1%
-20.3% YoY-12.9% QoQ
|
-20.1% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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)