Federal credit union · North Arlington, New Jersey · NCUA charter #2127
West Hudson Teachers
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $5.6M
- Total assets
- 807
- Members
- 12.6%
- Net-worth ratio
West Hudson Teachers scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.6M; members 807; net-worth ratio 12.60%; health rank #3,272 of 4,374; healthier than 24th of scored peers.
NCUA Call Report stamp band
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West Hudson Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); West Hudson Teachers sits in 75-79 with 502 others.
75 24th percentile higher than 24% 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
West Hudson Teachers: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.73 pp (0.08% vs 1.81%).
- Largest lag: Loan-to-Share Ratio at 24.37% vs peer 63.60% (-39.23 pp).
New Jersey standing for West Hudson Teachers
- New Jersey health ordinal: #59 of 127.
- New Jersey assets place: #103 of 127.
- Membership ranks #97 of 127 among New Jersey CUs with a reported count (807 members).
- One place up in New Jersey, Union Building Trades (#58) ties at 75/100; one place down, East Orange Va Hospital (#60) ties at 75/100.
Quarter path for West Hudson Teachers
West Hudson Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $5.6M (2025Q4) to $5.6M (2026Q1).
- Net-worth ratio shifted -0.09 pp (12.69% → 12.60%).
12.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
West Hudson Teachers gives up 25 points in total. Member Growth costs the most, 13.7 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.9 pts
- Member Growth 1.3 pts
- Loan-to-Share Ratio 7.8 pts
West Hudson Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.60% | -6.46 pp |
| Delinquency Rate | 0.08% | -1.73 pp |
| Return on Assets | 0.23% | -0.22 pp |
| Member Growth | -4.27% | - |
| Loan-to-Share Ratio | 24.37% | -39.23 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - West Hudson Teachers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.6M | - |
| 2025Q4 | $5.6M | 807 |
| 2024Q4 | $6.1M | 843 |
| 2023Q4 | $7.1M | 834 |
Credit Union Details
- Charter Number
- 2127
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- North Arlington
- Data Quarter
- 2025Q4
Branch Location
West Hudson Teachers operates a single office in North Arlington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| whtfcu (Main Office) | North Arlington, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- West Hudson Teachers ranks #3,272 of 4,374 nationally on financial health and #59 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- N. J. Latvian is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with N. J. Latvian
Frequently Asked Questions
Is West Hudson Teachers financially healthy?
West Hudson Teachers has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,272 of 4,374 nationally on health and #59 of 127 in New Jersey. Its net worth ratio is 12.60% and its delinquency rate 0.08%.
How does West Hudson Teachers compare to other credit unions?
West Hudson Teachers scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.08% vs 1.81%). Its widest shortfall is loan-to-share ratio (24.37% vs 63.60%).
How can I join West Hudson Teachers?
West Hudson Teachers is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact West Hudson Teachers directly to confirm eligibility.
Is my money safe at West Hudson Teachers?
West Hudson 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. West Hudson Teachers's net worth ratio of 12.60% 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.