Federal credit union · BLOOMFIELD, New Jersey · NCUA charter #1131
Essex County Teachers
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $21.3M
- Total assets
- 3,593
- Members
- 7.9%
- Net-worth ratio
Essex County Teachers scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.3M; members 3,593; net-worth ratio 7.88%; health rank #3,675 of 4,374; healthier than 16th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,675 of 4,374 health · 2025Q4Essex County Teachers · health 69/100 · $21.3M · 2025Q4
- DELQ 69/100
- ROA 7.9%
- ASSETS 0.21%
- MEM 0.09%
- RANK $21.3M
- PHOTO 3,593
- BOOK #3,675/4,374
- CHARTER Raleigh Co. Educators
- NCUSIF 1131
Call Report peers
Essex County Teachers in the assets neighbourhood
Essex County Teachers's $21.3M assets sit next to Raleigh Co. Educators ($21.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Essex County Teachers vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Essex County Teachers - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1131. See our deposit-insurance coverage note.
Where Essex County Teachers diverges from peer averages
- Delinquency Rate leads the peer set - 0.21% here, 1.15% peer average (-0.94 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -24.51 pp (35.29% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Essex County Teachers in New Jersey
- New Jersey health ordinal: #83 of 127.
- Assets rank #64 of 127 inside New Jersey ($21.3M reported).
- New Jersey membership ordinal: #45 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Essex County Teachers: 2025Q4 → 2026Q1
Essex County Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $21.3M (2025Q4) to $21.8M (2026Q1).
- Net-worth ratio shifted -0.12 pp (8.00% → 7.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 24.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 8.4 pts
- Member Growth 1.4 pts
- Loan-to-Share Ratio 9.5 pts
Call Report ratios for Essex County Teachers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.88% | -6.98 pp |
| Delinquency Rate | 0.21% | -0.94 pp |
| Return on Assets | 0.09% | -0.62 pp |
| Member Growth | -4.21% | - |
| Loan-to-Share Ratio | 35.29% | -24.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Essex County Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.8M | - |
| 2025Q4 | $21.3M | 3,593 |
| 2024Q4 | $21.2M | 3,751 |
| 2023Q4 | $22.6M | 3,937 |
Credit Union Details
- Charter Number
- 1131
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- BLOOMFIELD
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Essex County Teachers, spread across 2 cities.
| Office | City |
|---|---|
| ECTFCU (Main Office) | Bloomfield, NJ |
| Newark Office | Newark, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
- MONMOUTH COUNTY POSTAL EMPLOYEESRed Bank, NJ · $10M–$50M65Health
- L'OREAL USAMountainside, NJ · $10M–$50M67Health
- EAST ORANGE VA HOSPITALEast Orange, NJ · $10M–$50M75Health
- MID-STATECarteret, NJ · $10M–$50M91Health
- HAMILTON HORIZONSHamilton, NJ · $10M–$50M53Health
Compare Essex County Teachers vs MONMOUTH COUNTY POSTAL EMPLOYEES
Cross-state Call Report peers for Essex County Teachers
Essex County Teachers's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- Essex County Teachers ranks #3,675 of 4,374 nationally on financial health and #83 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Monmouth County Postal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Monmouth County Postal Employees
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Essex County Teachers financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Essex County Teachers carries a financial health score of 69/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,675 of 4,374; by total assets it ranks #3,104 of 4,374 nationally (same basis as /rankings/largest); and #64 of 127 within New Jersey. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.88% net worth ratio and a 0.21% delinquency rate.
How does Essex County Teachers compare to other credit unions?
Essex County Teachers scores 69/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Essex County Teachers?
Essex County Teachers operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Essex County Teachers directly for the exact boundaries and application steps.
Is my money safe at Essex County Teachers?
Federal credit unions like Essex County Teachers are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Essex County Teachers's net worth ratio of 7.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Essex County Teachers offer compared to banks?
Credit unions like Essex County Teachers are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Essex County Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.