BlastPoint's Credit Union Scorecard

ESSEX COUNTY TEACHERS

Charter #1131 · NJ

<100M

2508 CUs in <100M nationally 97 in NJ

ESSEX COUNTY TEACHERS faces 5 concerns requiring attention

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency ratio 5.07% above tier (higher cost structure)
- Member decline: -4.7% YoY
- Net Worth Ratio: Bottom 4.6% in tier
- Loan Growth Rate: Bottom 7.1% in tier
- Net Charge-Off Rate: Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	3,542 -4.7% YoY-1.4% QoQ	+865	2,676 +1.6% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	74%
Assets	$21.8M -1.5% YoY+2.0% QoQ	$-8.4M	$30.2M +1.3% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	50%
Loans	$6.1M -19.1% YoY-8.6% QoQ	$-9.2M	$15.3M -2.0% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	39%
Deposits	$19.7M -1.8% YoY+4.3% QoQ	$-6.0M	$25.8M +0.7% YoY	$104.6M +7.1% YoY	$494.3M +9.1% YoY	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -60.2% QoQ	+0.0%	0.1% -77.6% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	26%
NIM	4.0% +3.4% YoY-2.2% QoQ	+0.0%	4.0% +4.0% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	95.7% -1.2% YoY+3.8% QoQ	+5.1%	90.6% +6.5% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	79%
Delinquency Rate	0.6% -70.9% YoY+211.3% QoQ	-0.9	1.5% +3.8% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	50%
Loan To Share	30.9% -17.5% YoY-12.3% QoQ	-27.6%	58.5% -3.0% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	Bottom 12.3% in tier
AMR	$7,297 -1.9% YoY+2.4% QoQ	$-8K	$14,884 -1.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	16%
CD Concentration	1.4% +40.0% YoY+19.6% QoQ	-22.9%	24.3%	14.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Top Weaknesses (8 metrics)

2393

Net Worth Ratio

risk

Value: 7.88%

Peer Median: 14.28%

#2393 of 2508 Bottom 4.6% in <100M tier

2330

Loan Growth Rate

growth

Value: -19.05%

Peer Median: -2.36%

#2330 of 2508 Bottom 7.1% in <100M tier

2296

Net Charge-Off Rate

risk

Value: 1.62%

Peer Median: 0.07%

#2296 of 2508 Bottom 8.5% in <100M tier

2238

Loan-to-Member Ratio (LMR)

engagement

Value: $1,724

Peer Median: $4,923

#2238 of 2508 Bottom 10.8% in <100M tier

2197

Loan-to-Share Ratio

balance_sheet

Value: 30.94%

Peer Median: 58.72%

#2197 of 2508 Bottom 12.4% in <100M tier

2114

Average Member Relationship (AMR)

engagement

Value: $7,297

Peer Median: $13,926

#2114 of 2508 Bottom 15.7% in <100M tier

2055

Member Growth Rate

growth

Value: -4.73%

Peer Median: -1.37%

#2055 of 2508 Bottom 18.1% in <100M tier

1985

Efficiency Ratio

profitability

Value: 95.70%

Peer Median: 81.45%

#1985 of 2508 Bottom 20.9% in <100M tier