WEST HUDSON TEACHERS
Charter #2127 · North Arlington, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.98% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 57th — a 45-point gap showing why the peer definition matters.
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 | WEST HUDSON TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.64M | 67th pct | 48th pct |
| Members | 795 | 69th pct | 54th pct |
| Net worth ratio | 12.60% | 25th pct | 33th pct |
| Return on average assets | 0.09% | 37th pct | 33th pct |
| Net interest margin | 3.87% | 45th pct | 74th pct |
| Cost of funds | 0.29% | 38th pct | 44th pct |
| Loan-to-share | 22.50% | 12th pct | 57th pct |
| Delinquency 60+ days | 1.38% | 60th pct | 64th pct |
| Net charge-off ratio | -0.98% | 4th pct | 5th pct |
| Loan growth YoY | -11.04% | 24th pct | 25th pct |
| Share growth YoY | -3.81% | 23th pct | 25th pct |
| Efficiency ratio | 97.70% | 69th pct | 70th pct |
structural peer set hash: d89d35479b63688c6f453d76ca15fecc… (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.