BlastPoint's Credit Union Scorecard
ESSEX COUNTY TEACHERS
Charter #1131 · NJ
ESSEX COUNTY TEACHERS has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Efficiency ratio 9.66% above tier (higher cost structure)
- - Member decline: -4.2% YoY
- - Net Worth Ratio: Bottom 4.6% in tier
- - Loan Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,593
-4.2% YoY-1.8% QoQ
|
+977 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$21.3M
+0.9% YoY-3.5% QoQ
|
$-8.8M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$6.7M
-17.6% YoY-7.0% QoQ
|
$-9.1M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$18.9M
-1.5% YoY-2.3% QoQ
|
$-6.8M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
0.3%
+249.6% YoY+1.0% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
4.0%
-5.3% YoY+4.5% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
92.2%
+19.0% YoY-1.0% QoQ
|
+9.7% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.2%
-81.9% YoY+26.7% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
35.3%
-16.4% YoY-4.9% QoQ
|
-25.3% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.7% in tier |
| AMR |
$7,126
-2.1% YoY-1.8% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
15% |
| CD Concentration |
1.2%
+7.1% YoY+11.8% QoQ
|
-23.2% | 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)