TellerScore

United Teletech Financial Federal Credit Union (NCUA charter #18195) is based in Tinton Falls, New Jersey. Its Q2 2026 call report shows $327.7M in total assets and $284.1M in member shares and deposits and 5 offices.

Based on its Q2 2026 filing, United Teletech Financial Federal Credit Union scores 54/100, which we describe as below average. That is higher than only 10% of 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 100th. Its strongest component is problem-loan coverage (80/100; 10.0%), and its lowest is earnings (30/100; 0.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 9.00%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.84%
Earnings30/100
Return on assets (annualized): 0.24%
Funding & liquidity69/100
Loans ÷ shares: 91.4% · 10.2% uninsured
Problem-loan coverage80/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.00%

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 rose 5 points (49 → 54), mostly because the earnings component improved by 10 points.

TellerScore
495357Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202449
Q3 202454
Q4 202450
Q1 202551
Q2 202549
Q3 202552
Q4 202552
Q1 202657
Q2 202654
Net worth ratio
7.00%8.00%9.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.44%
Q3 20248.58%
Q4 20248.51%
Q1 20258.39%
Q2 20258.54%
Q3 20258.54%
Q4 20258.75%
Q1 20268.87%
Q2 20269.00%
Delinquent loans (60+ days)
0.58%0.91%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.23%
Q3 20240.75%
Q4 20241.04%
Q1 20250.83%
Q2 20251.07%
Q3 20250.76%
Q4 20250.93%
Q1 20260.58%
Q2 20260.84%
Return on assets
-0.11%0.06%0.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.11%
Q4 20240.09%
Q1 2025-0.11%
Q2 20250.00%
Q3 20250.07%
Q4 20250.16%
Q1 20260.19%
Q2 20260.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$327.7M9.00%0.84%0.24%91.4%
Q1 202657$329.8M8.87%0.58%0.19%88.2%
Q4 202552$332.4M8.75%0.93%0.16%89.6%
Q3 202552$336.4M8.54%0.76%0.07%90.6%
Q2 202549$334.4M8.54%1.07%0.00%89.3%
Q1 202551$339.2M8.39%0.83%-0.11%84.9%
Q4 202450$335.5M8.51%1.04%0.09%85.4%
Q3 202454$332.4M8.58%0.75%0.11%86.9%
Q2 202449$337.2M8.44%1.23%0.11%85.2%

1,341 peers · $100 million – $1 billion

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).

Capital ratio9.00%
13th
Problem loans0.84%
40th
Net charge-offs0.11%
84th
Return on assets0.24%
13th
Loans to deposits91.4%
14th
Uninsured deposits10.2%
16th
Loan-loss reserves0.00%
50th
Texas ratio10.0%
13th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
First Atlantic Federal Credit UnionCredit union Eatontown, NJ86 out of 100, Very strong$332.2M13.8%0.79%vs
Edifi Federal Credit UnionCredit union Rancocas, NJ65 out of 100, Moderate$262.4M9.3%0.72%vs
North Jersey Federal Credit UnionCredit union Totowa, NJ66 out of 100, Moderate$255.6M10.5%0.89%vs
Greater Alliance Federal Credit UnionCredit union Paramus, NJ48 out of 100, Below average$247.6M8.8%1.58%vs
Jersey Shore Federal Credit UnionCredit union Northfield, NJ73 out of 100, Strong$246.3M9.8%0.29%vs
The Atlantic Federal Credit UnionCredit union Kenilworth, NJ45 out of 100, Below average$235.1M13.6%3.51%vs

Deposit insurance

Is my money safe at United Teletech Financial Federal Credit Union?

Yes. United Teletech Financial Federal Credit Union is a federally insured credit union (NCUA charter #18195). 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 10.2% of shares and deposits ($29.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.00%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

United Teletech Financial Federal Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
United Teletech Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
18195
RSSD ID
722281
Primary regulator
NCUA
Established
1967
Headquarters
205 Hance Ave, Tinton Falls, NJ 07724
Employees
65

Quick answers

United Teletech Financial Federal Credit Union: common questions

Is United Teletech Financial Federal Credit Union NCUA insured?

Yes. United Teletech Financial Federal Credit Union is a federally insured credit union (NCUA charter #18195). 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 Teletech Financial Federal Credit Union's TellerScore?

54 out of 100 (Below average), 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 Teletech Financial Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tinton Falls

InstitutionScoreAssetsCapitalProblem loansCompare
First Atlantic Federal Credit UnionCredit union Eatontown, NJ86 out of 100, Very strong$332.2M13.8%0.79%vs
Rutgers Federal Credit UnionCredit union New Brunswick, NJ85 out of 100, Very strong$77.4M12.6%0.39%vs
Amboy BankBank Old Bridge, NJ80 out of 100, Strong$3.1B12.2%0.30%vs
B-M S Federal Credit UnionCredit union New Brunswick, NJ80 out of 100, Strong$81.7M21.1%0.54%vs
Monmouth County Postal Employees Credit UnionCredit union Red Bank, NJ79 out of 100, Strong$21.9M20.6%0.15%vs
New Millennium BankBank Fort Lee, NJ79 out of 100, Strong$899.1M14.6%0.58%vs