Sep, 30, 2025 — UNITED POLES FEDERAL CREDIT UNION is a federal credit union headquartered in PERTH AMBOY, NJ with 3 branch locations and about $69.83 million in total assets. Opened 61 years ago in 1965, UNITED POLES FEDERAL CREDIT UNION has about 2,163 members and employs 9 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | UNITED POLES FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 412 NEW BRUNSWICK AVE PERTH AMBOY, NJ 08861 |
| Phone: | (800) 333-7713 |
| Fax: | (732) 442-1443 |
| Website: | https://www.unitedpolesfcu.com |
| Branches: | 3 branch locations |
| Members: | 2,163 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 16577 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1965 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $69,831,889 |
| CEO/Manager: | IWONA A KARPETA |
| Chairperson: | THOMAS KAZALSKI |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 572,438 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 40,361,421 |
| Unsecured Loans | 3,708,942 |
| Other Loans | 13,593,010 |
| TOTAL LOANS | 57,663,373 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -491,533 |
| Land And Building | 130,752 |
| Other Fixed Assets | 947,310 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 580,928 |
| All Other Assets | 0 |
| TOTAL ASSETS | 69,831,889 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 14,632 |
| Notes & Interest Payable | 703,300 |
| Accounts Payable & Other Liabilities | 786,938 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 10,004,678 |
| Regular shares | 22,218,219 |
| All Other Shares & Deposits | 31,404,212 |
| TOTAL SHARES & DEPOSITS | 63,627,109 |
| TOTAL LIABILITIES | 65,131,979 |
| Regular Reserve | 0 |
| Other Reserves | 229,870 |
| Undivided Earnings | 4,470,040 |
| TOTAL EQUITY | 4,699,910 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 69,831,889 |
| INCOME & EXPENSE | |
| Loan Income | 2,337,844 |
| Investment Income | 257,433 |
| Other Income | 106,409 |
| Total Employee Compensation & Benefits | 802,666 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 872,391 |
| Non-operating Income & (Expense) | 103,356 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 63,719 |
| Cost of Funds | 928,227 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 211,795 |
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