TellerScore

Headquartered in Kingston, New York, Ulster Federal Credit Union is a federal credit union with $179.0M in total assets and $167.7M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1974.

Based on its Q2 2026 filing, Ulster Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 158th. Its strongest component is funding & liquidity (100/100; 26% loans-to-deposits, 5% uninsured), and its lowest is earnings (45/100; 0.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.33%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.81%
Earnings45/100
Return on assets (annualized): 0.62%
Funding & liquidity100/100
Loans ÷ shares: 25.7% · 4.9% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.50%

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 6 points (73 → 67), mostly because the earnings component weakened by 16 points.

TellerScore
677276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202473
Q1 202576
Q2 202573
Q3 202572
Q4 202570
Q1 202670
Q2 202667
Net worth ratio
7.00%8.84%10.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.06%
Q3 202410.47%
Q4 202410.60%
Q1 202510.63%
Q2 202510.69%
Q3 202510.69%
Q4 202510.40%
Q1 202610.30%
Q2 202610.33%
Delinquent loans (60+ days)
0.56%0.77%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.92%
Q3 20240.97%
Q4 20240.75%
Q1 20250.56%
Q2 20250.68%
Q3 20250.67%
Q4 20250.66%
Q1 20260.58%
Q2 20260.81%
Return on assets
0.62%1.01%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20241.28%
Q4 20241.20%
Q1 20251.33%
Q2 20251.03%
Q3 20250.84%
Q4 20250.67%
Q1 20260.62%
Q2 20260.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$179.0M10.33%0.81%0.62%25.7%
Q1 202670$176.9M10.30%0.58%0.62%25.1%
Q4 202570$172.4M10.40%0.66%0.67%26.2%
Q3 202572$166.8M10.69%0.67%0.84%27.5%
Q2 202573$165.0M10.69%0.68%1.03%27.2%
Q1 202576$163.0M10.63%0.56%1.33%27.5%
Q4 202473$158.4M10.60%0.75%1.20%28.9%
Q3 202472$156.6M10.47%0.97%1.28%29.9%
Q2 202472$159.1M10.06%0.92%1.40%29.1%

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 ratio10.33%
34th
Problem loans0.81%
41st
Net charge-offs0.25%
64th
Return on assets0.62%
40th
Loans to deposits25.7%
99th
Uninsured deposits4.9%
61st
Loan-loss reserves0.00%
50th
Texas ratio3.5%
56th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Trailnorth Federal Credit UnionCredit union Ticonderoga, NY66 out of 100, Moderate$179.6M9.8%0.84%vs
Genesee Valley Federal Credit UnionCredit union Geneseo, NY98 out of 100, Very strong$175.9M16.6%0.19%vs
First Choice Financial Federal Credit UnionCredit union Gloversville, NY72 out of 100, Strong$183.7M13.1%1.70%vs
Tonawanda Valley Federal Credit UnionCredit union Batavia, NY82 out of 100, Strong$170.7M11.1%0.19%vs
Sjp Federal Credit UnionCredit union Buffalo, NY69 out of 100, Moderate$187.7M11.3%0.93%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs

Deposit insurance

Is my money safe at Ulster Federal Credit Union?

Yes. Ulster Federal Credit Union is a federally insured credit union (NCUA charter #21694). 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 4.9% of shares and deposits ($8.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.33%, 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

Ulster Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ulster Federal Credit Union
Type
Federal credit union
NCUA charter #
21694
RSSD ID
80888
Primary regulator
NCUA
Established
1974
Headquarters
PO Box 2310, Kingston, NY 12402
Employees
30

Quick answers

Ulster Federal Credit Union: common questions

Is Ulster Federal Credit Union NCUA insured?

Yes. Ulster Federal Credit Union is a federally insured credit union (NCUA charter #21694). 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 Ulster Federal Credit Union's TellerScore?

67 out of 100 (Moderate), 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 Ulster Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Kingston

InstitutionScoreAssetsCapitalProblem loansCompare
Self Reliance Financial Federal Credit UnionCredit union New York, NY79 out of 100, Strong$2.0B17.2%0.63%vs
Bank of GreeneBank Catskill, NY77 out of 100, Strong$3.2B9.9%0.23%vs
Greene County Commercial BankBank Catskill, NY73 out of 100, Strong$1.3B10.1%0.00%vs
Bank of MillbrookBank Millbrook, NY73 out of 100, Strong$311.7M12.1%1.76%vs
Mid-Hudson Valley Federal Credit UnionCredit union Kingston, NY69 out of 100, Moderate$1.7B9.9%0.36%vs
Rhinebeck BankBank Rhinebeck, NY69 out of 100, Moderate$1.5B10.9%0.38%vs