Federal credit union · BLOOMFIELD, New Jersey · NCUA charter #1131
Essex County Teachers
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $21.3M
- Total assets
- 3,593
- Members
- 8.0%
- Net-worth ratio
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.
Essex County Teachers - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)83
- Asset quality (delinquency)100
- Earnings (ROA)56
- Member growth9
- Liquidity (loan-to-share)61
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.00% | 30% |
| Delinquency Rate | 0.21% | 25% |
| Return on Assets | 0.09% | 15% |
| Member Growth | -4.21% | 15% |
| Loan-to-Share Ratio | 35.29% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Essex County Teachers
Charter #1131, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Essex County Teachers, a federal credit union in BLOOMFIELD, New Jersey with 3,593 members, $21.3M in total assets, and $6.7M in outstanding loans as of Q4 2025. The five-factor composite scores it 69/100 (Good), helped by a net worth ratio of 8.00% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.21% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 35.29% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.09% on net income of $18K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.21%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.00% 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 8.00% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.