Ufirst Federal Credit Union
Total assets
$125.9M
▼ -9.1% YoY
Shares & deposits
$109.8M
▼ -11.9% YoY
Loans
$99.8M
▲ +0.5% YoY
Members
10,445
▲ +3.4% YoY
ROA (annualized)
-0.27%
peers 0.69%
ROE (annualized)
-1.73%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.1% | +3.9% | -13.0 pts |
| Share growth (YoY) | -11.9% | +3.3% | -15.2 pts |
| Loan growth (YoY) | +0.5% | +2.9% | -2.4 pts |
| ROA | -0.27% | 0.69% | -1.0 pts |
| ROE | -1.7% | 5.9% | -7.7 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
Profile
- Established
- 1971
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 274 Rugar St, Plattsburgh, NY, 12901
- NCUA charter #
- 20613
- RSSD ID
- 593089
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $125.9M | $109.8M | $99.8M | $19.4M | $-84K | -0.27% | 5.04% | 0.71% | 10,445 |
| Q4 2025 | $130.1M | $116.3M | $101.7M | $19.5M | $1.8M | 1.36% | 5.06% | 0.83% | 10,370 |
| Q3 2025 | $127.5M | $114.5M | $98.9M | $19.3M | $1.5M | 1.53% | 5.08% | 0.80% | 10,253 |
| Q2 2025 | $138.1M | $125.7M | $96.5M | $18.6M | $838K | 1.21% | 4.62% | 0.99% | 10,138 |
| Q1 2025 | $138.6M | $124.7M | $99.3M | $18.0M | $245K | 0.71% | 4.51% | 0.87% | 10,106 |
| Q4 2024 | $129.6M | $118.7M | $98.8M | $17.8M | $1.3M | 1.01% | 4.36% | 0.72% | 10,035 |
| Q3 2024 | $131.5M | $118.1M | $100.9M | $17.5M | $927K | 0.94% | 4.19% | 0.34% | 10,056 |
| Q2 2024 | $130.3M | $119.8M | $100.7M | $17.0M | $465K | 0.71% | 4.08% | 0.53% | 9,993 |
Loan mix (Q1 2026): real estate $26.4M · commercial $41K · consumer $62.4M · securities $17.0M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.27% | 0.69% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -1.7% | 5.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.04% | 3.62% | 98th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.5% | 78.7% | 95th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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