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
- CAMELS 77/100
- HEALTH 8.9%
- NW 0.93%
- DELQ 0.09%
- ROA $332.4M
- ASSETS 17,694
- MEM #3,129/4,374
- RANK New Hampshire
- PHOTO 18195
Call Report peers
United Teletech Financial in the assets neighbourhood
United Teletech Financial's $332.4M assets sit next to New Hampshire ($332.5M) 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 Teletech Financial 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
77 28th percentile higher than 28% 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 Teletech Financial - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #18195, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
United Teletech Financial Call Report trajectory
United Teletech Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $332.4M (2025Q4) to $329.8M (2026Q1).
- Net-worth ratio shifted +0.12 pp (8.75% → 8.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for United Teletech Financial - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($332.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- 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 Teletech Financial financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - United Teletech Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,129 of 4,374; by total assets it ranks #981 of 4,374 nationally (same basis as /rankings/largest); and #9 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.87% net worth ratio and 0.93% delinquency rate are the key drivers.
How does United Teletech Financial compare to other credit unions?
United Teletech Financial scores 77/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like United Teletech Financial 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 Teletech Financial's net worth ratio of 8.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Teletech Financial offer compared to banks?
Credit unions like United Teletech Financial 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 Teletech Financial 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.