United Poles Federal Credit Union is a federal credit union headquartered in Perth Amboy, New Jersey, in business for about 61 years. At the end of Q2 2026 it reported $72.3M in total assets and $66.6M in member shares and deposits, with 3 offices.
Based on its Q2 2026 filing, United Poles Federal Credit Union scores 28/100, which we describe as low. That is higher than only 1% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 125th. Its strongest component is funding & liquidity (69/100; 91% loans-to-deposits, 8% uninsured), and its lowest is loan quality (1/100; 2.96%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 21 points (49 → 28), mostly because the loan quality component weakened by 71 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 47 |
| Q4 2024 | 47 |
| Q1 2025 | 56 |
| Q2 2025 | 49 |
| Q3 2025 | 35 |
| Q4 2025 | 45 |
| Q1 2026 | 45 |
| Q2 2026 | 28 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.63% |
| Q3 2024 | 7.31% |
| Q4 2024 | 7.08% |
| Q1 2025 | 7.08% |
| Q2 2025 | 6.93% |
| Q3 2025 | 6.91% |
| Q4 2025 | 6.87% |
| Q1 2026 | 6.89% |
| Q2 2026 | 6.95% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.83% |
| Q3 2025 | 2.19% |
| Q4 2025 | 1.18% |
| Q1 2026 | 1.32% |
| Q2 2026 | 2.96% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.60% |
| Q3 2024 | -0.51% |
| Q4 2024 | -0.44% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.38% |
| Q1 2026 | 0.52% |
| Q2 2026 | 0.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 28 | $72.3M | 6.95% | 2.96% | 0.53% | 91.0% |
| Q1 2026 | 45 | $72.7M | 6.89% | 1.32% | 0.52% | 89.0% |
| Q4 2025 | 45 | $70.4M | 6.87% | 1.18% | 0.38% | 92.6% |
| Q3 2025 | 35 | $69.8M | 6.91% | 2.19% | 0.40% | 90.6% |
| Q2 2025 | 49 | $69.2M | 6.93% | 0.83% | 0.40% | 90.7% |
| Q1 2025 | 56 | $67.9M | 7.08% | 0.50% | 0.64% | 88.1% |
| Q4 2024 | 47 | $65.7M | 7.08% | 0.54% | -0.44% | 86.5% |
| Q3 2024 | 47 | $64.9M | 7.31% | 0.60% | -0.51% | 84.8% |
| Q2 2024 | 49 | $61.9M | 7.63% | 0.50% | -0.60% | 84.2% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hoboken School Employees Federal Credit UnionCredit union Hoboken, NJ | 72 out of 100, Strong | $75.6M | 20.5% | 1.36% | vs |
| Rutgers Federal Credit UnionCredit union New Brunswick, NJ | 85 out of 100, Very strong | $77.4M | 12.6% | 0.39% | vs |
| Fort Billings Federal Credit UnionCredit union Paulsboro, NJ | 65 out of 100, Moderate | $64.2M | 9.3% | 0.19% | vs |
| New Jersey Law and Public Safety Credit UnionCredit union Trenton, NJ | 93 out of 100, Very strong | $63.9M | 19.6% | 0.31% | vs |
| B-M S Federal Credit UnionCredit union New Brunswick, NJ | 80 out of 100, Strong | $81.7M | 21.1% | 0.54% | vs |
| Atlantic City Electric Co Emp Federal Credit UnionCredit union Mays Landing, NJ | 70 out of 100, Strong | $62.5M | 14.6% | 1.98% | vs |
Deposit insurance
Is my money safe at United Poles Federal Credit Union?
Yes. United Poles Federal Credit Union is a federally insured credit union (NCUA charter #16577). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 7.7% of shares and deposits ($5.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 6.95%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
United Poles Federal Credit Union lists 3 offices in 3 cities. Most locations:
- East Brunswick, NJ (1)
- Linden, NJ (1)
- Perth Amboy, NJ (1)
HMDA 2025
Mortgage lending
In 2025, United Poles Federal Credit Union reported 56 home-loan applications under HMDA (LEI 254900BD5NFQPLWIEE89): 56 originated ($9,880,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- United Poles Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 16577
- RSSD ID
- 769183
- Primary regulator
- NCUA
- Established
- 1965
- Headquarters
- 412 New Brunswick Ave, Perth Amboy, NJ 08861
- Employees
- 7
Quick answers
United Poles Federal Credit Union: common questions
Is United Poles Federal Credit Union NCUA insured?
Yes. United Poles Federal Credit Union is a federally insured credit union (NCUA charter #16577). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is United Poles Federal Credit Union's TellerScore?
28 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does United Poles Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Perth Amboy
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Local 1233 Federal Credit UnionCredit union Newark, NJ | 88 out of 100, Very strong | $14.1M | 17.9% | 0.27% | vs |
| Division 819 Transit Employees Credit UnionCredit union Irvington, NJ | 88 out of 100, Very strong | $16.7M | 17.9% | 1.02% | vs |
| Hana Bank USA, National AssociationBank Fort Lee, NJ | 88 out of 100, Very strong | $835.2M | 25.4% | 0.00% | vs |