Parsippany, New Jersey · Peer group 4
Union Building Trades Credit Union
Union Building Trades Credit Union holds $84.2M in assets across 24,437 members as of Q1 2026 — about $3K of assets per member, on a charter dating to 1973. Charter number 21244, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $84.2M |
|---|---|
| Total loans | $40.4M |
| Total shares (deposits) | $70.2M |
| Net worth | $10.8M |
| Members | 24,437 |
| Assets per member | $3K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.4% | |
|---|---|---|
| Loans | 13.9% | higher than 95% of its peer group |
| Deposits | -0.8% | around the 29th percentile of its peer group |
| Members | -1.4% | around the 49th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 57.5% | around the 45th percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.9% | around the 50th percentile of its peer group |
| Return on assets | -0.23% | lower than 91% of its peer group |
| Delinquency ratio | 1.05% | around the 73rd percentile of its peer group |
| Cash / assets | 2.6% | lower than 98% of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Union Building Trades Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New Jersey — the comparison set a peer ratio is measured against.
- B-M S Credit Union
New Brunswick, NJ
$86.1M · 3,591 members
- Rutgers Credit Union
New Brunswick, NJ
$81.4M · 6,470 members
- Central Jersey Credit Union
Woodbridge, NJ
$94.4M · 5,939 members
- Irco Community Credit Union
Phillipsburg, NJ
$94.6M · 6,246 members
- Hoboken School Employees Credit Union
HOBOKEN, NJ
$73.6M · 1,512 members
- Bay Atlantic Credit Union
VINELAND, NJ
$95.5M · 9,139 members
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