BlastPoint's Credit Union Scorecard
UNITED TELETECH FINANCIAL
Charter #18195 · NJ
UNITED TELETECH FINANCIAL has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 67.0% in tier
- + Net Interest Margin 0.15% above tier average
- + First Mortgage Concentration (%): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5.8% in tier
- - Membership Headwinds: Bottom 60.9% in tier
- - Stagnation Risk: Bottom 68.7% in tier
- - ROA 0.60% below tier average
- - Efficiency ratio 15.02% above tier (higher cost structure)
- - Delinquency rate 0.04% above tier average
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,694
-2.1% YoY-0.7% QoQ
|
+2.3K |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$332.4M
-0.9% YoY-1.2% QoQ
|
+$100.5M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$258.7M
+4.1% YoY-0.1% QoQ
|
+$111.4M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Top 12.3% in tier |
| Deposits |
$288.9M
-0.7% YoY+1.0% QoQ
|
+$88.1M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
0.2%
+75.3% YoY+117.9% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.3% in tier |
| NIM |
3.8%
+9.5% YoY+1.9% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
92.0%
-4.5% YoY-2.1% QoQ
|
+15.0% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 6.8% in tier |
| Delinquency Rate |
0.9%
-10.0% YoY+23.1% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
89.6%
+4.8% YoY-1.1% QoQ
|
+17.3% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
85% |
| AMR |
$30,951
+3.7% YoY+1.2% QoQ
|
+$6K |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
14.0%
-3.6% YoY-0.1% QoQ
|
-10.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % |
0.8%
+6333.3% YoY-10.8% QoQ
|
-13.0% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)