Ufirst

Plattsburgh, NY · 1 · Charter #20613 · www.ufirstfcu.net
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$130.1M
64th percentile
Members
10,370
71th percentile
Total loans
$101.7M
76th percentile
Total shares
$107.9M
61th percentile

Profitability

Return on assets
1.17%
59th percentile
Net interest margin
5.06%
97th percentile
Efficiency ratio
66.04%
39th percentile
Non-interest income ratio
21.55%
71th percentile

Capital & Risk

Net worth ratio
14.98%
76th percentile
Delinquency rate
0.83%
43th percentile
Net charge-off rate
0.42%
41th percentile
Loan-to-share
94.25%
92th percentile

Growth

Member growth YoY
3.34%
87th percentile
Asset growth YoY
0.38%
22th percentile
Loan growth YoY
2.92%
59th percentile
Share growth YoY
8.67%
84th percentile

Operations

Members / branch
2,593
38th percentile
Assets / member
$12,549
34th percentile
Field of membership penetration
4.71%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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