IRCO COMMUNITY vs UNION BUILDING TRADES
This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
IRCO COMMUNITY
Phillipsburg, NJ
Health score
72.1
Total assets
$93.7M
Credit union
UNION BUILDING TRADES
Parsippany, NJ
Health score
64.0
Total assets
$85.8M
Answer first
Different strengths, no blanket winner
IRCO COMMUNITY leads on financial health and profitability and lending quality; UNION BUILDING TRADES leads on capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Where each institution leads
Financial health
IRCO COMMUNITY
Higher TFS health score
Capitalization
UNION BUILDING TRADES
Higher comparable capital ratio
Profitability
IRCO COMMUNITY
Higher return on assets
Lending quality
IRCO COMMUNITY
Lower problem-loan measure
Same-source detail
Financial metrics
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | IRCO COMMUNITY | UNION BUILDING TRADES |
|---|---|---|
| TFS health score | 72.1/100Leads | 64.0/100 |
| Total assets | $93.7M | $85.8M |
| Total deposits / shares | $84.3M | $71.7M |
| Net worth ratio | 10.07% | 12.78%Leads |
| Return on assets | 1.07%Leads | 0.22% |
| Return on equity | 10.64%Leads | 1.69% |
| 60+ day delinquency | 0.01%Leads | 0.84% |
| Net charge-offs | -0.05%Leads | 0.04% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 59.39% | 60.93% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 2 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
Branch and market overlap
IRCO COMMUNITY
2 branches
UNION BUILDING TRADES
1 branches
Both institutions report branches in 1 state: NJ.
CFPB complaint coverage
IRCO COMMUNITY
Unavailable
UNION BUILDING TRADES
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Regulatory-action context
IRCO COMMUNITY
0 in TFS registry
UNION BUILDING TRADES
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
Health and profitability trend
| Quarter | IRCO COMMUNITY score | IRCO COMMUNITY ROA | UNION BUILDING TRADES score | UNION BUILDING TRADES ROA |
|---|---|---|---|---|
| 2026-Q1 | 73.8/100 | 1.17% | 61.5/100 | -0.23% |
| 2026-Q2 | 72.1/100 | 1.07% | 64.0/100 | 0.22% |
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Coverage boundaries
What this does not conclude
- • No product-rate, fee, or customer-service winner without product data.
- • Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
- • Regulatory actions are displayed separately and are not included in category scoring.
Related comparisons
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.