United Poles Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Weak (2.9) profitability.
Other Rating Factors:
Weak liquidity 1.6, driven by a liquidity ratio of 6.1 percent and a “hot money” ratio of 22.8 percent. Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 6.8.
Asset Mix:
Home mtgs (51%), consumer loans (20%), securities (2%), comm loans (1%), other (26%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
412 New Brunswick Avenue
Perth Amboy, NJ 08861
Perth Amboy, NJ 08861
Phone Number
(732) 442-5648
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Branchburg, NJ
Nutley, NJ
Ewing, NJ