ESSEX COUNTY TEACHERS
Charter #1131 · BLOOMFIELD, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.88% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of 0.12% sits at the 21st percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.55% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 95.70% sits at the 80th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ESSEX COUNTY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.77M | 40th pct | 33th pct |
| Members | 3,542 | 86th pct | 74th pct |
| Net worth ratio | 7.88% | 4th pct | 7th pct |
| Return on average assets | 0.12% | 23th pct | 21th pct |
| Net interest margin | 4.00% | 58th pct | 72th pct |
| Cost of funds | 0.41% | 27th pct | 41th pct |
| Loan-to-share | 30.94% | 11th pct | 20th pct |
| Delinquency 60+ days | 0.65% | 52th pct | 52th pct |
| Net charge-off ratio | 1.55% | 92th pct | 95th pct |
| Loan growth YoY | -15.01% | 1th pct | 3th pct |
| Share growth YoY | 1.90% | 43th pct | 42th pct |
| Efficiency ratio | 95.70% | 84th pct | 80th pct |
structural peer set hash: 390c34708d47717a962777c412219b5f… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.