TellerScore

Headquartered in Plattsburgh, New York, Ufirst Federal Credit Union is a federal credit union with $128.6M in total assets and $113.5M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1971.

Based on its Q2 2026 filing, Ufirst Federal Credit Union scores 75/100, which we describe as strong. That is higher than 66% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 100th. Its strongest component is capital cushion (100/100; 15.41%), and its lowest is earnings (40/100; 0.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.41%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.92%
Earnings40/100
Return on assets (annualized): 0.51%
Funding & liquidity70/100
Loans ÷ shares: 90.5% · 2.5% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.07%

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 fell 2 points (77 → 75), mostly because the earnings component weakened by 29 points.

TellerScore
707885Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202480
Q4 202478
Q1 202572
Q2 202577
Q3 202585
Q4 202583
Q1 202670
Q2 202675
Net worth ratio
7.00%11.21%15.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.05%
Q3 202413.29%
Q4 202413.72%
Q1 202513.02%
Q2 202513.49%
Q3 202515.10%
Q4 202514.98%
Q1 202615.41%
Q2 202615.41%
Delinquent loans (60+ days)
0.34%0.66%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.53%
Q3 20240.34%
Q4 20240.72%
Q1 20250.87%
Q2 20250.99%
Q3 20250.80%
Q4 20250.83%
Q1 20260.71%
Q2 20260.92%
Return on assets
-0.27%0.63%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.94%
Q4 20241.01%
Q1 20250.71%
Q2 20251.21%
Q3 20251.53%
Q4 20251.36%
Q1 2026-0.27%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$128.6M15.41%0.92%0.51%90.5%
Q1 202670$125.9M15.41%0.71%-0.27%90.9%
Q4 202583$130.1M14.98%0.83%1.36%87.4%
Q3 202585$127.5M15.10%0.80%1.53%86.4%
Q2 202577$138.1M13.49%0.99%1.21%76.8%
Q1 202572$138.6M13.02%0.87%0.71%79.6%
Q4 202478$129.6M13.72%0.72%1.01%83.3%
Q3 202480$131.5M13.29%0.34%0.94%85.4%
Q2 202475$130.3M13.05%0.53%0.71%84.1%

1,341 peers · $100 million – $1 billion

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 ratio15.41%
87th
Problem loans0.92%
34th
Net charge-offs0.40%
45th
Return on assets0.51%
31st
Loans to deposits90.5%
16th
Uninsured deposits2.5%
87th
Loan-loss reserves0.00%
50th
Texas ratio5.1%
39th

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Salt City Federal Credit UnionCredit union Solvay, NY62 out of 100, Moderate$119.1M9.0%0.78%vs
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Buffalo Metropolitan Federal Credit UnionCredit union Buffalo, NY44 out of 100, Below average$143.9M12.4%3.69%vs

Deposit insurance

Is my money safe at Ufirst Federal Credit Union?

Yes. Ufirst Federal Credit Union is a federally insured credit union (NCUA charter #20613). 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 2.5% of shares and deposits ($2.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.41%, well 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

Ufirst Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ufirst Federal Credit Union
Type
Federal credit union
NCUA charter #
20613
RSSD ID
593089
Primary regulator
NCUA
Established
1971
Headquarters
274 Rugar St, Plattsburgh, NY 12901
Employees
34

Quick answers

Ufirst Federal Credit Union: common questions

Is Ufirst Federal Credit Union NCUA insured?

Yes. Ufirst Federal Credit Union is a federally insured credit union (NCUA charter #20613). 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 Ufirst Federal Credit Union's TellerScore?

75 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 Ufirst Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
Sea Comm Federal Credit UnionCredit union Massena, NY89 out of 100, Very strong$777.3M18.0%0.63%vs
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Dannemora Federal Credit UnionCredit union Plattsburgh, NY85 out of 100, Very strong$320.3M14.6%0.51%vs
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