BlastPoint's Credit Union Scorecard

UNITED TELETECH FINANCIAL

Charter #18195 · NJ

100M-500M

1070 CUs in 100M-500M nationally 25 in NJ

UNITED TELETECH FINANCIAL has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Net Interest Margin 0.18% above tier average
+ First Mortgage Concentration (%): Top 8.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.53% below tier average
- Efficiency ratio 15.01% above tier (higher cost structure)
- Member decline: -2.1% YoY
- Asset Growth Rate: Bottom 6.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	17,702 -2.1% YoY+0.0% QoQ	+2.6K	15,145 -2.5% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	68%
Assets	$329.8M -2.8% YoY-0.8% QoQ	+$98.1M	$231.7M +0.8% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	78%
Loans	$257.9M +2.4% YoY-0.3% QoQ	+$113.8M	$144.1M +0.2% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	Top 11.3% in tier
Deposits	$292.3M -1.4% YoY+1.2% QoQ	+$91.2M	$201.1M +0.4% YoY	$104.6M +7.1% YoY	$494.3M +9.1% YoY	79%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% -274.2% YoY+22.4% QoQ	-0.5%	0.7% +5.1% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	16%
NIM	3.8% +10.0% YoY+1.5% QoQ	+0.2%	3.6% +4.6% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	64%
Efficiency Ratio	93.0% -5.8% YoY+1.1% QoQ	+15.0%	78.0% -1.7% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	Bottom 9.5% in tier
Delinquency Rate	0.6% -29.4% YoY-37.5% QoQ	-0.2	0.8% +7.1% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	48%
Loan To Share	88.2% +3.9% YoY-1.5% QoQ	+17.8%	70.4% -0.4% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	Top 13.8% in tier
AMR	$31,084 +2.5% YoY+0.4% QoQ	+$6K	$24,918 +2.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	84%
CD Concentration	13.7% -0.3% YoY-2.5% QoQ	-10.6%	24.3%	14.5%	19.8%	50%
Indirect Auto %	0.7% +88.2% YoY-11.7% QoQ	-13.1%	13.8%	1.0%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#214 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.50%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $5.0K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (3)

Efficiency Drag

risk

#152 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 93.04%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.30% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -2.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Membership Headwinds

decline

#347 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#386 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.43%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.58%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 7.06%

Peer Median: 29.47%

#93 of 1070 Top 8.6% in 100M-500M tier

120

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.35%

#120 of 1070 Top 11.1% in 100M-500M tier

121

Total Loans

balance_sheet

Value: $257.91M

Peer Median: $121.41M

#121 of 1070 Top 11.2% in 100M-500M tier

127

Loan-to-Member Ratio (LMR)

engagement

Value: $14,569

Peer Median: $9,356

#127 of 1070 Top 11.8% in 100M-500M tier

148

Loan-to-Share Ratio

balance_sheet

Value: 88.22%

Peer Median: 71.88%

#148 of 1070 Top 13.7% in 100M-500M tier

171

Average Member Relationship (AMR)

engagement

Value: $31,084

Peer Median: $22,931

#171 of 1070 Top 15.9% in 100M-500M tier

198

Share Certificate Concentration (%)

balance_sheet

Value: 13.66%

Peer Median: 23.10%

#198 of 1070 Top 18.4% in 100M-500M tier

220

Total Deposits

balance_sheet

Value: $292.34M

Peer Median: $171.29M

#220 of 1070 Top 20.5% in 100M-500M tier

239

Total Assets

balance_sheet

Value: $329.82M

Peer Median: $196.57M

#239 of 1070 Top 22.2% in 100M-500M tier

Top Weaknesses (5 metrics)

999

Asset Growth Rate

growth

Value: -2.75%

Peer Median: 3.91%

#999 of 1070 Bottom 6.7% in 100M-500M tier

969

Efficiency Ratio

profitability

Value: 93.04%

Peer Median: 78.68%

#969 of 1070 Bottom 9.5% in 100M-500M tier

938

Net Worth Ratio

risk

Value: 8.87%

Peer Median: 11.45%

#938 of 1070 Bottom 12.4% in 100M-500M tier

932

Deposit Growth Rate

growth

Value: -1.39%

Peer Median: 3.30%

#932 of 1070 Bottom 13.0% in 100M-500M tier

900

Return on Assets (ROA)

profitability

Value: 0.19%

Peer Median: 0.69%

#900 of 1070 Bottom 16.0% in 100M-500M tier