BlastPoint's Credit Union Scorecard
WEST HUDSON TEACHERS
Charter #2127 · NJ
WEST HUDSON TEACHERS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 14.31% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - Fee Income Per Member: Bottom 5.5% in tier
- - Loan-to-Share Ratio: Bottom 6.6% in tier
- - Asset Growth Rate: Bottom 8.3% in tier
- - Deposit Growth Rate: Bottom 9.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
811
-3.5% YoY-0.1% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
24% |
| Assets |
$5.8M
-7.6% YoY-6.4% QoQ
|
$-24.0M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$1.2M
+2.4% YoY+14.0% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.1% in tier |
| Deposits |
$5.1M
-8.6% YoY-7.3% QoQ
|
$-20.3M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
0.0%
-99.2% YoY-101.8% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
3.6%
-9.3% YoY+1.7% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
95.7%
+23.2% YoY-1.0% QoQ
|
+14.3% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.6%
-68.4% YoY-65.3% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
45% |
| Loan To Share |
24.3%
+12.1% YoY+23.0% QoQ
|
-36.9% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.4% in tier |
| AMR |
$7,826
-3.3% YoY-3.7% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration | 0.0% | -24.4% |
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)