D
Essex County Teachers Federal Credit Union
Rating Date
September 2025
Net Capital
Ratio
7.15
Leverage
Ratio
7.15
Return On
Assets
0.19%
Total
Assets
23.28M
Capital
1.67M
Total
Deposits
20.64M
Net
Income
21.00K
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Weiss Ratings Essex County Teachers Federal Credit Union
Bloomfield, NJ 		Click to
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Rating D
Asset Quality Index 9.00
Capitalization Index 4.80
Liquidity Index 3.60
Profitability Index 3.20
Stability Index 1.70
Company Info Essex County Teachers Federal Credit Union
Bloomfield, NJ 		Click to
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NCUA Charter Number 695
Phone Number (973) 748-8847
Website www.ectcu.org
Asset Quality Essex County Teachers Federal Credit Union
Bloomfield, NJ 		Click to
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1-Year Asset Growth -0.25%
5-Year Asset Growth 10.05%
5-Year Charge-Offs to Average Loans 1.60%
Charge-Offs to Average Loans -0.26%
Non-Performing Assets to Assets 0.17%
Non-Performing Loans to Capital 2.08%
Non-Performing Loans to Loans 0.51%
Balance Sheet Essex County Teachers Federal Credit Union
Bloomfield, NJ 		Click to
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Total Assets 23.28M
Total Deposits 20.64M
Capital and Reserves Essex County Teachers Federal Credit Union
Bloomfield, NJ 		Click to
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Capital 1.67M
Leverage Ratio 7.15
Loan Loss Reserves to Loans 2.74%
Liquidity Essex County Teachers Federal Credit Union
Bloomfield, NJ 		Click to
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Hot Money Ratio 0.00%
Liquidity Ratio 15.63%
Profitability Essex County Teachers Federal Credit Union
Bloomfield, NJ 		Click to
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5-Year Return on Average Assets 0.99%
Net Income 21.00K
Net Interest Spread 4.31%
Operating Profit to Average Assets 0.25%
Overhead Efficiency Ratio 94.83%
Return on Assets 0.19%
Return on Equity 2.54%