West Hudson Teachers

North Arlington, NJ · 1 · Charter #2127
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
$5.6M
28th percentile
Members
807
30th percentile
Total loans
$1.2M
16th percentile
Total shares
$4.9M
29th percentile

Profitability

Return on assets
0.08%
19th percentile
Net interest margin
3.91%
47th percentile
Efficiency ratio
88.38%
14th percentile
Non-interest income ratio
0.10%
6th percentile

Capital & Risk

Net worth ratio
12.69%
35th percentile
Delinquency rate
0.08%
78th percentile
Net charge-off rate
0.19%
52th percentile
Loan-to-share
24.37%
8th percentile

Growth

Member growth YoY
-4.27%
22th percentile
Asset growth YoY
-8.43%
8th percentile
Loan growth YoY
2.06%
70th percentile
Share growth YoY
-9.65%
8th percentile

Operations

Members / branch
807
38th percentile
Assets / member
$6,930
30th percentile
Field of membership penetration
57.64%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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