United Teletech Financial

TINTON FALLS, NJ · 1 · Charter #18195 · www.utfinancial.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$332.4M
24th percentile
Members
17,694
15th percentile
Total loans
$258.7M
40th percentile
Total shares
$278.0M
22th percentile

Profitability

Return on assets
0.08%
7th percentile
Net interest margin
3.78%
71th percentile
Efficiency ratio
70.73%
10th percentile
Non-interest income ratio
12.73%
14th percentile

Capital & Risk

Net worth ratio
8.75%
13th percentile
Delinquency rate
0.93%
31th percentile
Net charge-off rate
0.17%
81th percentile
Loan-to-share
93.06%
81th percentile

Growth

Member growth YoY
-2.07%
23th percentile
Asset growth YoY
-0.92%
10th percentile
Loan growth YoY
4.11%
51th percentile
Share growth YoY
0.43%
15th percentile

Operations

Members / branch
2,949
15th percentile
Assets / member
$18,787
70th percentile
Field of membership penetration
4.71%
53th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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