Essex County Teachers

BLOOMFIELD, NJ · 1 · Charter #1131 · www.ectcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$21.3M
64th percentile
Members
3,593
91th percentile
Total loans
$6.7M
53th percentile
Total shares
$18.9M
66th percentile

Profitability

Return on assets
0.36%
30th percentile
Net interest margin
4.12%
56th percentile
Efficiency ratio
85.81%
16th percentile
Non-interest income ratio
19.17%
81th percentile

Capital & Risk

Net worth ratio
8.00%
5th percentile
Delinquency rate
0.21%
70th percentile
Net charge-off rate
0.49%
33th percentile
Loan-to-share
35.29%
17th percentile

Growth

Member growth YoY
-4.21%
22th percentile
Asset growth YoY
0.86%
48th percentile
Loan growth YoY
-17.60%
9th percentile
Share growth YoY
-1.45%
37th percentile

Operations

Members / branch
1,797
73th percentile
Assets / member
$5,940
23th percentile
Field of membership penetration
13.07%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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