D
Essex County Teachers Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
7.45
Leverage
Ratio
7.45
Return On
Assets
0.04%
Total
Assets
22.10M
Capital
1.65M
Total
Deposits
20.11M
Net
Income
2.00K
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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 6.70
Capitalization Index 5.10
Liquidity Index 3.60
Profitability Index 0.40
Stability Index 2.10
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 -6.97%
5-Year Asset Growth 10.05%
5-Year Charge-Offs to Average Loans 1.60%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 0.76%
Non-Performing Loans to Capital 9.07%
Non-Performing Loans to Loans 2.21%
Balance Sheet Essex County Teachers Federal Credit Union
Bloomfield, NJ 		Click to
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Total Assets 22.10M
Total Deposits 20.11M
Capital and Reserves Essex County Teachers Federal Credit Union
Bloomfield, NJ 		Click to
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Capital 1.65M
Leverage Ratio 7.45
Loan Loss Reserves to Loans 2.58%
Liquidity Essex County Teachers Federal Credit Union
Bloomfield, NJ 		Click to
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Hot Money Ratio 0.00%
Liquidity Ratio 21.73%
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 2.00K
Net Interest Spread 4.18%
Operating Profit to Average Assets 0.15%
Overhead Efficiency Ratio 97.00%
Return on Assets 0.04%
Return on Equity 0.49%