BlastPoint's Credit Union Scorecard
ESSEX COUNTY TEACHERS
Charter #1131 · NJ
ESSEX COUNTY TEACHERS has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Efficiency ratio 11.76% above tier (higher cost structure)
- - Member decline: -4.1% YoY
- - Net Worth Ratio: Bottom 3.5% in tier
- - Loan Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,658
-4.1% YoY-0.9% QoQ
|
+1.0K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$22.1M
-0.2% YoY-5.0% QoQ
|
$-7.7M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
51% |
| Loans |
$7.2M
-16.3% YoY-5.4% QoQ
|
$-8.6M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
42% |
| Deposits |
$19.4M
+1.0% YoY-6.2% QoQ
|
$-6.1M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
0.3%
+242.3% YoY+61.0% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
3.9%
-6.6% YoY+1.3% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
49% |
| Efficiency Ratio |
93.2%
+26.4% YoY-1.9% QoQ
|
+11.8% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.2%
-82.1% YoY-68.0% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
25% |
| Loan To Share |
37.1%
-17.2% YoY+0.8% QoQ
|
-24.1% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$7,260
-0.3% YoY-5.1% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
1.1%
-22.9% YoY+7.1% QoQ
|
-23.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)