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
Call Report peers
United Poles in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); United Poles sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New Jersey, Essex County Teachers (#83) ties at 69/100; one place down, Linden Nj Police & Firemen (#85) scores 68/100, 1 point lower.
How United Poles's 5300 filing moved
United Poles: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $70.4M (2025Q4) to $72.7M (2026Q1).
- Net-worth ratio shifted +0.02 pp (6.87% → 6.89%).
At 6.89%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 69/100 score is built
United Poles gives up 31 points in total. Return on Assets costs the most, 14.2 of its 15; Loan-to-Share Ratio loses the least, 1.2.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is United Poles financially healthy?
On its 2025Q4 NCUA 5300 filing, United Poles scores 69/100 (Good), with a 6.89% net worth ratio and 1.18% of loans delinquent. It ranks #3,681 of 4,374 nationally on health and #84 of 127 in New Jersey.
How does United Poles compare to other credit unions?
United Poles scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (92.62% vs 62.60%). Its widest shortfall is net worth ratio (6.89% vs 13.62%).
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?
United Poles is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.