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Letter portraitLegal landscapeQuarterYTD

United Teletech Financial

Tinton Falls, NJ · Charter 18195

NCUA · 6 branches

Q2 2026

$327.7MAssets
$259.7MLoans
$284.1MShares
$29.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.24%, up 24 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.84% of loans (-23 bps YoY).
  • Capital: net worth / assets of 9.00%, up 45 bps from a year ago.
  • Funding: loans stand at 91.38% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.24%+24 bps YoY

Net Interest Margin (quarter, annualized)

3.94%+33 bps YoY

Efficiency Ratio (quarter, annualized)

92.46%-337 bps YoY

Net Worth / Assets

9.00%+45 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.09%-0.11%0.00%0.07%0.16%0.19%0.24%+24 bps
Return on Equity1.25%1.05%-1.31%0.02%0.84%1.81%2.18%2.66%+264 bps
Net Interest Margin3.38%3.41%3.44%3.60%3.67%3.78%3.81%3.94%+33 bps
Efficiency Ratio95.83%96.41%98.81%95.83%94.00%92.04%93.04%92.46%-337 bps
Growth
Asset Growth (YoY)2.18%-0.89%-1.25%-0.82%1.21%-0.92%-2.75%-2.00%-118 bps
Loan Growth (YoY)2.53%2.08%3.64%3.90%5.42%4.11%2.43%1.22%-268 bps
Share Growth (YoY)3.14%1.45%0.42%-0.90%1.08%-0.70%-1.39%-1.04%-15 bps
Asset Quality
Delinquent Loans / Loans0.75%1.04%0.83%1.07%0.76%0.93%0.58%0.84%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.58%8.51%8.39%8.54%8.54%8.75%8.87%9.00%+45 bps
Net Worth / Assets8.58%8.51%8.39%8.54%8.54%8.75%8.87%9.00%+45 bps
Liquidity & Funding
Loans / Shares86.85%85.42%84.94%89.34%90.59%89.56%88.22%91.38%+204 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps