UNITED TELETECH FINANCIAL
Charter #18195 · TINTON FALLS, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.87% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.19% sits at the 23rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.05% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.04% sits at the 82nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 61st — a 26-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 TELETECH FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $329.82M | 78th pct | 72th pct |
| Members | 17,702 | 69th pct | 66th pct |
| Net worth ratio | 8.87% | 12th pct | 23th pct |
| Return on average assets | 0.19% | 16th pct | 23th pct |
| Net interest margin | 3.79% | 59th pct | 59th pct |
| Cost of funds | 1.37% | 60th pct | 41th pct |
| Loan-to-share | 88.22% | 86th pct | 61th pct |
| Delinquency 60+ days | 0.58% | 48th pct | 39th pct |
| Net charge-off ratio | 0.05% | 11th pct | 13th pct |
| Loan growth YoY | -0.44% | 42th pct | 34th pct |
| Share growth YoY | 2.23% | 31th pct | 51th pct |
| Efficiency ratio | 93.04% | 91th pct | 82th pct |
structural peer set hash: 8f91ccf1b3e190d24cf5d26bb8327739… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED TELETECH FINANCIAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.