UNITED POLES
Charter #16577 · PERTH AMBOY, NJ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,164 sits at the 5th percentile of structural peers — worth a closer look.
- Net worth ratio of 6.89% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.82% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.32% sits at the 75th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 38th — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | UNITED POLES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $72.65M | 52th pct | 38th pct |
| Members | 2,164 | 2th pct | 5th pct |
| Net worth ratio | 6.89% | 1th pct | 2th pct |
| Return on average assets | 0.53% | 40th pct | 49th pct |
| Net interest margin | 3.48% | 38th pct | 31th pct |
| Cost of funds | 1.82% | 89th pct | 77th pct |
| Loan-to-share | 89.03% | 94th pct | 74th pct |
| Delinquency 60+ days | 1.32% | 81th pct | 75th pct |
| Net charge-off ratio | 0.10% | 33th pct | 28th pct |
| Loan growth YoY | 3.35% | 87th pct | 82th pct |
| Share growth YoY | 5.20% | 75th pct | 70th pct |
| Efficiency ratio | 82.63% | 59th pct | 38th pct |
structural peer set hash: d9372d19c4ac159451d449f755705572… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.