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 1.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 10.50% above tier (higher cost structure)
- - Delinquency rate 0.98% above tier average
- - Member decline: -2.7% YoY
- - Fee Income Per Member: Bottom 4.6% in tier
- - Loan-to-Share Ratio: Bottom 5.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
- - Asset Growth Rate: Bottom 8.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -8.6% year over year ($5.0M in shares and deposits).
- Membership: 790 members, -2.7% vs a year ago.
- Delinquency rate 2.53%.
- Return on assets 0.03%.
- Efficiency ratio 99.27% vs a 88.77% peer average.
- Loan-to-share ratio 21.13% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
790
-2.7% YoY-0.6% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$5.8M
-7.5% YoY+2.0% QoQ
|
$-24.5M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$1.1M
-2.4% YoY-3.7% QoQ
|
$-14.4M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.9% in tier |
| Deposits |
$5.0M
-8.6% YoY+2.5% QoQ
|
$-20.8M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
23% |
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| ROA |
0.0%
-127.2% YoY-67.9% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.7% in tier |
| NIM |
3.9%
+8.1% YoY+0.5% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
99.3%
+2.7% YoY+1.6% QoQ
|
+10.5% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate |
2.5%
+54.6% YoY+82.6% QoQ
|
+1.0 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
21.1%
+6.8% YoY-6.1% QoQ
|
-37.8% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.6% in tier |
| AMR |
$7,719
-5.0% YoY+2.0% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)