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
Call Report peers
Essex County Teachers in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Essex County Teachers sits in 65-69 with 275 others.
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
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%).
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.
- One place up in New Jersey, Ocean County Employees (#82) ties at 69/100; one place down, United Poles (#84) ties at 69/100.
Essex County Teachers: 2025Q4 → 2026Q1
Essex County Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $21.3M (2025Q4) to $21.8M (2026Q1).
- Net-worth ratio shifted -0.12 pp (8.00% → 7.88%).
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
Essex County Teachers gives up 31 points in total. Member Growth costs the most, 13.6 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Essex County Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Essex County Teachers scores 69/100 (Good), with a 7.88% net worth ratio and 0.21% of loans delinquent. It ranks #3,675 of 4,374 nationally on health and #83 of 127 in New Jersey.
How does Essex County Teachers compare to other credit unions?
Essex County Teachers scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.21% vs 1.15%). Its widest shortfall is loan-to-share ratio (35.29% vs 59.80%).
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?
Essex County Teachers is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.