Ulster

Kingston, NY · 1 · Charter #21694 · www.ulsfedcu.org
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
$172.4M
80th percentile
Members
7,031
45th percentile
Total loans
$42.2M
31th percentile
Total shares
$161.0M
86th percentile

Profitability

Return on assets
0.65%
25th percentile
Net interest margin
3.01%
19th percentile
Efficiency ratio
72.28%
20th percentile
Non-interest income ratio
16.22%
44th percentile

Capital & Risk

Net worth ratio
10.40%
28th percentile
Delinquency rate
0.66%
54th percentile
Net charge-off rate
0.24%
60th percentile
Loan-to-share
26.22%
2th percentile

Growth

Member growth YoY
-1.40%
41th percentile
Asset growth YoY
8.84%
84th percentile
Loan growth YoY
-3.07%
26th percentile
Share growth YoY
6.66%
75th percentile

Operations

Members / branch
2,344
31th percentile
Assets / member
$24,526
93th percentile
Field of membership penetration
3.84%
40th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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