United Poles

PERTH AMBOY, NJ · 1 · Charter #16577 · WWW.UNITEDPOLESFCU.COM
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$70.4M
21th percentile
Members
2,154
1th percentile
Total loans
$59.9M
50th percentile
Total shares
$60.7M
23th percentile

Profitability

Return on assets
0.48%
16th percentile
Net interest margin
3.25%
28th percentile
Efficiency ratio
58.15%
64th percentile
Non-interest income ratio
8.67%
10th percentile

Capital & Risk

Net worth ratio
6.77%
0th percentile
Delinquency rate
1.18%
26th percentile
Net charge-off rate
0.08%
87th percentile
Loan-to-share
98.64%
95th percentile

Growth

Member growth YoY
3.91%
90th percentile
Asset growth YoY
7.13%
76th percentile
Loan growth YoY
14.37%
94th percentile
Share growth YoY
7.74%
80th percentile

Operations

Members / branch
718
1th percentile
Assets / member
$32,680
97th percentile
Field of membership penetration
43.08%
87th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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