Federal credit union · PERTH AMBOY, New Jersey · NCUA charter #16577
United Poles
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $70.4M
- Total assets
- 2,154
- Members
- 6.9%
- Net-worth ratio
United Poles scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $70.4M; members 2,154; net-worth ratio 6.89%; health rank #3,681 of 4,374; healthier than 16th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,681 of 4,374 health · 2025Q4United Poles · health 69/100 · $70.4M · 2025Q4
- ASSETS 69/100
- MEM 6.9%
- RANK 1.18%
- PHOTO -0.41%
- BOOK $70.4M
- CHARTER 2,154
- NCUSIF #3,681/4,374
- CAMELS M. C. T.
- HEALTH 16577
Call Report peers
United Poles in the assets neighbourhood
United Poles's $70.4M assets sit next to M. C. T. ($70.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
United Poles vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
United Poles - Share Insurance Coverage
Charter #16577's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
United Poles vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +30.02 pp (92.62% vs 62.60%).
- Largest lag: Net Worth Ratio at 6.89% vs peer 13.62% (-6.73 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
United Poles: in-state Call Report ranks
- In New Jersey, health place is #84 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #38 of 127 inside New Jersey ($70.4M reported).
- Member book place in New Jersey: #60 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How United Poles's 5300 filing moved
United Poles: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $70.4M (2025Q4) to $72.7M (2026Q1).
- Net-worth ratio shifted +0.02 pp (6.87% → 6.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 6.89%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 21.7 pts
- Delinquency Rate 18.6 pts
- Return on Assets 0.8 pts
- Member Growth 13.7 pts
- Loan-to-Share Ratio 14.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.89% | -6.73 pp |
| Delinquency Rate | 1.18% | +0.22 pp |
| Return on Assets | -0.41% | -1.07 pp |
| Member Growth | 3.91% | - |
| Loan-to-Share Ratio | 92.62% | +30.02 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
United Poles quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $72.7M | - |
| 2025Q4 | $70.4M | 2,154 |
| 2024Q4 | $65.7M | 2,073 |
| 2023Q4 | $60.0M | 1,996 |
Credit Union Details
- Charter Number
- 16577
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- New Jersey
- City
- PERTH AMBOY
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for United Poles, spread across 3 cities.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | PERTH AMBOY, NJ |
| EAST BRUNSWICK BRANCH | EAST BRUNSWICK, NJ |
| LINDEN BRANCH | LINDEN, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
United Poles nationwide neighbourhoods
Cross-state asset and health neighbours for United Poles - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($70.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- United Poles ranks #3,681 of 4,374 nationally on financial health and #84 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hoboken School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hoboken School Employees
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is United Poles financially healthy?
United Poles scores 69/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,681 of 4,374; by total assets it ranks #2,134 of 4,374 nationally (same basis as /rankings/largest); and #38 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 6.89% net worth ratio and a 1.18% delinquency rate.
How does United Poles compare to other credit unions?
Five weighted metrics from NCUA filings produce United Poles's 69/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join United Poles?
United Poles operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact United Poles directly for the exact boundaries and application steps.
Is my money safe at United Poles?
Federal credit unions like United Poles are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. United Poles's net worth ratio of 6.89% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does United Poles offer compared to banks?
Credit unions like United Poles are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact United Poles directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.