United Teletech Financial Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.6, driven by a liquidity ratio of 8.8 percent and a “hot money” ratio of 9.9 percent. Fair current capitalization (3.2 on a scale of 0 to 10) based on a net capital to total assets of 5.4 and a net worth ratio of 8.3.
Asset Mix:
Consumer loans (22%), home mtgs (6%), securities (0%), other (72%)
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
205 Hance Avenue
Tinton Falls, NJ 07724
Tinton Falls, NJ 07724
Phone Number
(732) 530-8100
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Bridgewater, NJ
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Deptford Township, NJ