BlastPoint's Credit Union Scorecard
WEST HUDSON TEACHERS
Charter #2127 · NJ
WEST HUDSON TEACHERS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Efficiency ratio 12.15% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Fee Income Per Member: Bottom 4.9% in tier
- - Loan-to-Share Ratio: Bottom 6.6% in tier
- - Asset Growth Rate: Bottom 6.7% in tier
- - Deposit Growth Rate: Bottom 7.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
807
-4.3% YoY-0.5% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$5.6M
-8.4% YoY-4.0% QoQ
|
$-24.6M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$1.2M
+2.1% YoY-4.5% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.4% in tier |
| Deposits |
$4.9M
-9.7% YoY-4.7% QoQ
|
$-20.8M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
0.1%
-61.2% YoY+4215.2% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
3.8%
-3.6% YoY+5.0% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
94.7%
+16.1% YoY-1.0% QoQ
|
+12.1% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.1%
-92.8% YoY-85.5% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
24.4%
+13.0% YoY+0.2% QoQ
|
-36.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.5% in tier |
| AMR |
$7,499
-3.5% YoY-4.2% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)