Federal credit union · TINTON FALLS, New Jersey · NCUA charter #18195
United Teletech Financial
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $332.4M
- Total assets
- 17,694
- Members
- 8.9%
- Net-worth ratio
United Teletech Financial scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $332.4M; members 17,694; net-worth ratio 8.87%; health rank #3,129 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,129 of 4,374 health · 2025Q4United Teletech Financial · health 77/100 · $332.4M · 2025Q4
Call Report peers
United Teletech Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
United Teletech Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); United Teletech Financial sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
United Teletech Financial: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 89.56% here, 72.20% peer average (+17.36 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.24 pp (8.87% vs 12.11%).
United Teletech Financial in New Jersey
- New Jersey health ordinal: #54 of 127.
- By total assets, United Teletech Financial is #9 of 127 in New Jersey.
- Member book place in New Jersey: #15 of 127.
- One place up in New Jersey, CAMPBELL (#53) ties at 77/100; one place down, Parlin Dupont Employees (#55) scores 76/100, 1 point lower.
United Teletech Financial Call Report trajectory
United Teletech Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $332.4M (2025Q4) to $329.8M (2026Q1).
- Net-worth ratio shifted +0.12 pp (8.75% → 8.87%).
8.87% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
United Teletech Financial gives up 23 points in total. Member Growth costs the most, 9.7 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.2 pts
- Delinquency Rate 20.7 pts
- Return on Assets 8.6 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 15.2 pts
United Teletech Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.87% | -3.24 pp |
| Delinquency Rate | 0.93% | +0.04 pp |
| Return on Assets | 0.09% | -0.53 pp |
| Member Growth | -2.07% | - |
| Loan-to-Share Ratio | 89.56% | +17.36 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
United Teletech Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $329.8M | - |
| 2025Q4 | $332.4M | 17,694 |
| 2024Q4 | $335.5M | 18,068 |
| 2023Q4 | $338.5M | 18,519 |
Credit Union Details
- Charter Number
- 18195
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- TINTON FALLS
- Data Quarter
- 2025Q4
Branch Locations (6)
United Teletech Financial operates 6 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| HANCE AVE (Main Office) | TINTON FALLS, NJ |
| HAZLET | HAZLET, NJ |
| MIDDLETOWN | MIDDLETOWN, NJ |
| MARLBORO | MORGANVILLE, NJ |
| NEPTUNE | NEPTUNE, NJ |
| NORTH BRUNSWICK | NORTH BRUNSWICK, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- United Teletech Financial ranks #3,129 of 4,374 nationally on financial health and #54 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Atlantic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Atlantic
Frequently Asked Questions
Is United Teletech Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, United Teletech Financial scores 77/100 (Very Good), with a 8.87% net worth ratio and 0.93% of loans delinquent. It ranks #3,129 of 4,374 nationally on health and #54 of 127 in New Jersey.
How does United Teletech Financial compare to other credit unions?
United Teletech Financial scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.56% vs 72.20%). Its widest shortfall is net worth ratio (8.87% vs 12.11%).
How can I join United Teletech Financial?
United Teletech Financial 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 Teletech Financial directly for the exact boundaries and application steps.
Is my money safe at United Teletech Financial?
United Teletech Financial 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 Teletech Financial's net worth ratio of 8.87% exceeds 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.