West Hudson Teachers Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Very Weak (0.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent liquidity 7.6, driven by a liquidity ratio of 46.1 percent and a “hot money” ratio of 0.0 percent. A current level of 2.9 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Excellent asset quality (8.6).
Asset Mix:
Consumer loans (15%), other (85%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
180 Prospect Avenue
North Arlington, NJ 07031
North Arlington, NJ 07031
Phone Number
(201) 991-0845
NCUA Charter Number
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Branchburg, NJ
Nutley, NJ
Parsippany, NJ