Ulster Federal Credit Union
Total assets
$176.9M
▲ +8.5% YoY
Shares & deposits
$165.8M
▲ +7.9% YoY
Loans
$41.7M
▼ -1.3% YoY
Members
6,975
▼ -1.8% YoY
ROA (annualized)
0.62%
peers 0.69%
ROE (annualized)
6.02%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +3.9% | +4.6 pts |
| Share growth (YoY) | +8.0% | +3.3% | +4.7 pts |
| Loan growth (YoY) | -1.3% | +2.9% | -4.2 pts |
| ROA | 0.62% | 0.69% | -0.1 pts |
| ROE | 6.0% | 5.9% | +0.1 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
Profile
- Established
- 1974
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 2310, Kingston, NY, 12402
- NCUA charter #
- 21694
- RSSD ID
- 80888
- 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 | $176.9M | $165.8M | $41.7M | $18.2M | $274K | 0.62% | 2.86% | 0.58% | 6,975 |
| Q4 2025 | $172.4M | $161.0M | $42.2M | $17.9M | $1.1M | 0.67% | 3.01% | 0.66% | 7,031 |
| Q3 2025 | $166.8M | $155.7M | $42.8M | $17.8M | $1.0M | 0.84% | 3.14% | 0.67% | 7,056 |
| Q2 2025 | $165.0M | $155.3M | $42.3M | $17.6M | $851K | 1.03% | 3.18% | 0.68% | 7,082 |
| Q1 2025 | $163.0M | $153.6M | $42.2M | $17.3M | $541K | 1.33% | 3.23% | 0.56% | 7,103 |
| Q4 2024 | $158.4M | $150.9M | $43.5M | $16.8M | $1.9M | 1.20% | 3.47% | 0.75% | 7,131 |
| Q3 2024 | $156.6M | $147.1M | $44.1M | $16.4M | $1.5M | 1.28% | 3.57% | 0.97% | 7,178 |
| Q2 2024 | $159.1M | $152.2M | $44.2M | $16.0M | $1.1M | 1.40% | 3.53% | 0.92% | 7,233 |
Loan mix (Q1 2026): real estate $13.7M · commercial $8.2M · consumer $12.8M · securities $86.7M
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 | 0.62% | 0.69% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.62% | 10th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 78.7% | 72th | |
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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