TellerScore

Headquartered in North Arlington, New Jersey, West Hudson Teachers Federal Credit Union is a federal credit union with $5.8M in total assets and $5.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1937.

Based on its Q2 2026 filing, West Hudson Teachers Federal Credit Union scores 54/100, which we describe as below average. That is higher than only 13% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 105th. Its strongest component is funding & liquidity (100/100; 21% loans-to-deposits, 0% uninsured), and its lowest is loan quality (16/100; 2.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Net worth ratio: 12.34%
Loan quality16/100
Loans 60+ days delinquent ÷ total loans: 2.53%
Earnings21/100
Return on assets (annualized): 0.03%
Funding & liquidity100/100
Loans ÷ shares: 21.1% · 0.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.59%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (58 → 54), mostly because the loan quality component weakened by 29 points.

TellerScore
546677Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202459
Q4 202465
Q1 202559
Q2 202558
Q3 202570
Q4 202577
Q1 202666
Q2 202654
Net worth ratio
7.00%9.84%12.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.91%
Q3 202411.16%
Q4 202411.54%
Q1 202511.42%
Q2 202511.28%
Q3 202512.11%
Q4 202512.69%
Q1 202612.60%
Q2 202612.34%
Delinquent loans (60+ days)
0.08%2.91%5.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20245.73%
Q3 20241.79%
Q4 20241.14%
Q1 20251.98%
Q2 20251.64%
Q3 20250.57%
Q4 20250.08%
Q1 20261.38%
Q2 20262.53%
Return on assets
-0.10%0.55%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.20%
Q3 20240.24%
Q4 20240.21%
Q1 20250.41%
Q2 2025-0.10%
Q3 20250.00%
Q4 20250.08%
Q1 20260.09%
Q2 20260.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$5.8M12.34%2.53%0.03%21.1%
Q1 202666$5.6M12.60%1.38%0.09%22.5%
Q4 202577$5.6M12.69%0.08%0.08%24.4%
Q3 202570$5.8M12.11%0.57%0.00%24.3%
Q2 202558$6.2M11.28%1.64%-0.10%19.8%
Q1 202559$6.2M11.42%1.98%0.41%20.0%
Q4 202465$6.1M11.54%1.14%0.21%21.6%
Q3 202459$6.3M11.16%1.79%0.24%21.7%
Q2 202455$6.7M10.91%5.73%1.20%18.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.34%
34th
Problem loans2.53%
16th
Net charge-offs-0.88%
99th
Return on assets0.03%
20th
Loans to deposits21.1%
94th
Uninsured deposits0.0%
81st
Loan-loss reserves3.70%
94th
Texas ratio3.6%
38th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Kearny Municipal Employees Federal Credit UnionCredit union Kearny, NJ59 out of 100, Moderate$5.6M26.1%6.07%vs
Parlin Dupont Employees Federal Credit UnionCredit union Sayreville, NJ39 out of 100, Low$5.4M9.8%4.63%vs
Newark Police Federal Credit UnionCredit union Newark, NJ66 out of 100, Moderate$5.2M34.6%5.27%vs
Paterson Police Federal Credit UnionCredit union Paterson, NJ66 out of 100, Moderate$4.7M19.9%2.44%vs
N. J. Latvian Federal Credit UnionCredit union Freehold, NJ66 out of 100, Moderate$4.7M16.4%1.76%vs
Union County Employees Federal Credit UnionCredit union Elizabeth, NJ72 out of 100, Strong$6.9M22.6%2.01%vs

Deposit insurance

Is my money safe at West Hudson Teachers Federal Credit Union?

Yes. West Hudson Teachers Federal Credit Union is a federally insured credit union (NCUA charter #2127). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.34%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

West Hudson Teachers Federal Credit Union lists 1 office in 1 city. Most locations:

  • North Arlington, NJ (1)

All branch addresses and map

Identity & history

Profile

Legal name
West Hudson Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
2127
RSSD ID
95471
Primary regulator
NCUA
Established
1937
Headquarters
180 Prospect Ave, North Arlington, NJ 07031
Employees
2

Quick answers

West Hudson Teachers Federal Credit Union: common questions

Is West Hudson Teachers Federal Credit Union NCUA insured?

Yes. West Hudson Teachers Federal Credit Union is a federally insured credit union (NCUA charter #2127). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is West Hudson Teachers Federal Credit Union's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does West Hudson Teachers Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs