TellerScore

U. H. S. Employees Federal Credit Union (NCUA charter #21586) is based in Johnson City, New York. Its Q2 2026 call report shows $25.6M in total assets and $22.7M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, U. H. S. Employees Federal Credit Union scores 72/100, which we describe as strong. That is higher than only 44% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 127th. Its strongest component is funding & liquidity (100/100; 54% loans-to-deposits, 0% uninsured), and its lowest is capital cushion (57/100; 10.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.66%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.05%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity100/100
Loans ÷ shares: 53.6% · 0.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.65%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (67 → 72), mostly because the earnings component improved by 25 points.

TellerScore
587285Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202460
Q3 202462
Q4 202461
Q1 202558
Q2 202567
Q3 202563
Q4 202571
Q1 202685
Q2 202672
Net worth ratio
7.00%8.88%10.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.53%
Q3 202410.04%
Q4 202410.36%
Q1 202510.76%
Q2 202510.77%
Q3 202510.37%
Q4 202510.42%
Q1 202610.73%
Q2 202610.66%
Delinquent loans (60+ days)
0.19%0.79%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20241.00%
Q4 20241.38%
Q1 20251.00%
Q2 20250.98%
Q3 20250.71%
Q4 20250.19%
Q1 20260.20%
Q2 20261.05%
Return on assets
-0.52%0.80%2.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.34%
Q3 20240.46%
Q4 20240.66%
Q1 2025-0.52%
Q2 20250.75%
Q3 2025-0.01%
Q4 20250.24%
Q1 20262.11%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$25.6M10.66%1.05%1.38%53.6%
Q1 202685$25.0M10.73%0.20%2.11%56.2%
Q4 202571$24.5M10.42%0.19%0.24%58.6%
Q3 202563$24.0M10.37%0.71%-0.01%62.6%
Q2 202567$23.9M10.77%0.98%0.75%65.0%
Q1 202558$24.9M10.76%1.00%-0.52%63.0%
Q4 202461$24.1M10.36%1.38%0.66%68.3%
Q3 202462$23.5M10.04%1.00%0.46%70.8%
Q2 202460$23.5M9.53%0.33%-0.34%72.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.66%
21st
Problem loans1.05%
37th
Net charge-offs-0.02%
89th
Return on assets1.38%
82nd
Loans to deposits53.6%
58th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio4.7%
31st

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Westside Community Federal Credit UnionCredit union Churchville, NY84 out of 100, Strong$25.7M11.0%0.00%vs
Lockport Schools & Community Federal Credit UnionCredit union Lockport, NY73 out of 100, Strong$25.9M9.1%0.39%vs
Cobblestone Country Federal Credit UnionCredit union Albion, NY94 out of 100, Very strong$24.7M14.8%0.40%vs
District #6 Federal Credit UnionCredit union Hornell, NY51 out of 100, Below average$24.6M7.5%0.68%vs
NY Firefighters Bravest Federal Credit UnionCredit union Albany, NY71 out of 100, Strong$24.5M12.0%0.42%vs
Alliance Niagara Federal Credit UnionCredit union Sanborn, NY50 out of 100, Below average$24.1M7.8%1.81%vs

Deposit insurance

Is my money safe at U. H. S. Employees Federal Credit Union?

Yes. U. H. S. Employees Federal Credit Union is a federally insured credit union (NCUA charter #21586). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.66%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

U. H. S. Employees Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
U. H. S. Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
21586
RSSD ID
150080
Primary regulator
NCUA
Established
1974
Headquarters
33-57 Harrison St, Johnson City, NY 13790
Employees
10

Quick answers

U. H. S. Employees Federal Credit Union: common questions

Is U. H. S. Employees Federal Credit Union NCUA insured?

Yes. U. H. S. Employees Federal Credit Union is a federally insured credit union (NCUA charter #21586). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is U. H. S. Employees Federal Credit Union's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does U. H. S. Employees Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Johnson City

InstitutionScoreAssetsCapitalProblem loansCompare
The Honesdale National BankBank Honesdale, PA84 out of 100, Strong$1.2B13.7%0.24%vs
Chemung Canal Trust Company, National AssociationBank Elmira, NY72 out of 100, Strong$2.8B11.4%0.38%vs
Tioga State Bank National AssociationBank Spencer, NY71 out of 100, Strong$625.2M11.4%1.00%vs
Peoples Security Bank and Trust CompanyBank Dunmore, PA69 out of 100, Moderate$5.4B10.5%0.33%vs
Sidney Federal Credit UnionCredit union Sidney, NY67 out of 100, Moderate$1.3B10.5%0.85%vs
Visions Federal Credit UnionCredit union Endicott, NY64 out of 100, Moderate$5.5B10.0%0.89%vs