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
Phillipsburg, NJ
Health score
73.8
Total assets
$94.6M
Credit union
Parsippany, NJ
Health score
61.5
Total assets
$84.2M
Answer first
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
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
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | IRCO COMMUNITY | UNION BUILDING TRADES |
|---|---|---|
| TFS health score | 73.8/100Leads | 61.5/100 |
| Total assets | $94.6M | $84.2M |
| Total deposits / shares | $85.3M | $70.2M |
| Net worth ratio | 9.75% | 12.86%Leads |
| Return on assets | 1.17%Leads | -0.23% |
| Return on equity | 12.04%Leads |
IRCO COMMUNITY
2 branches
UNION BUILDING TRADES
1 branches
Both institutions report branches in 1 state: NJ.
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.
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.
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Coverage boundaries
Related comparisons
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. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| -1.79% |
| 60+ day delinquency | 0.02%Leads | 1.05% |
| Net charge-offs | -0.08% | -0.10%Leads |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 60.29% | 57.54% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 2 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |