BlastPoint's Credit Union Scorecard
WEST HUDSON TEACHERS
Charter #2127 · NJ
WEST HUDSON TEACHERS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Efficiency ratio 7.07% above tier (higher cost structure)
- - Member decline: -3.6% YoY
- - Asset Growth Rate: Bottom 5.1% in tier
- - Deposit Growth Rate: Bottom 5.8% in tier
- - Fee Income Per Member: Bottom 6.0% in tier
- - Loan-to-Share Ratio: Bottom 6.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
795
-3.6% YoY-1.5% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$5.6M
-9.5% YoY+0.9% QoQ
|
$-24.5M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
21% |
| Loans |
$1.1M
+0.4% YoY-6.8% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.1% in tier |
| Deposits |
$4.9M
-10.7% YoY+0.9% QoQ
|
$-20.9M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
0.1%
-78.7% YoY+10.5% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
25% |
| NIM |
3.9%
-6.5% YoY+0.7% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
52% |
| Efficiency Ratio |
97.7%
+23.7% YoY+3.2% QoQ
|
+7.1% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
1.4%
-30.0% YoY+1577.3% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
22.5%
+12.5% YoY-7.7% QoQ
|
-36.0% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.1% in tier |
| AMR |
$7,566
-5.5% YoY+0.9% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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)