Urban Upbound Federal Credit Union is a federal credit union headquartered in Long Island CIT, New York, in business for about 17 years. At the end of Q2 2026 it reported $2.2M in total assets and $1.9M in member shares and deposits, with 1 office.
Urban Upbound Federal Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 234th. Funding & liquidity contributes the most (100/100, 6% loans-to-deposits, 0% uninsured); earnings contributes the least (3/100, -0.42%).
TellerScore · Q2 2026
Scorecard
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 20 points (33 → 53), mostly because the loan quality component improved by 43 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 58 |
| Q4 2024 | 50 |
| Q1 2025 | 59 |
| Q2 2025 | 33 |
| Q3 2025 | 31 |
| Q4 2025 | 38 |
| Q1 2026 | 38 |
| Q2 2026 | 53 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.59% |
| Q3 2024 | 9.85% |
| Q4 2024 | 9.95% |
| Q1 2025 | 8.16% |
| Q2 2025 | 7.08% |
| Q3 2025 | 7.14% |
| Q4 2025 | 8.55% |
| Q1 2026 | 9.34% |
| Q2 2026 | 9.79% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.44% |
| Q3 2024 | 20.15% |
| Q4 2024 | 20.48% |
| Q1 2025 | 0.13% |
| Q2 2025 | 2.73% |
| Q3 2025 | 6.35% |
| Q4 2025 | 5.51% |
| Q1 2026 | 3.17% |
| Q2 2026 | 1.44% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.01% |
| Q3 2024 | 2.59% |
| Q4 2024 | 1.12% |
| Q1 2025 | -1.10% |
| Q2 2025 | -1.90% |
| Q3 2025 | -1.71% |
| Q4 2025 | -0.20% |
| Q1 2026 | -0.43% |
| Q2 2026 | -0.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $2.2M | 9.79% | 1.44% | -0.42% | 5.9% |
| Q1 2026 | 38 | $2.3M | 9.34% | 3.17% | -0.43% | 5.7% |
| Q4 2025 | 38 | $2.6M | 8.55% | 5.51% | -0.20% | 4.9% |
| Q3 2025 | 31 | $2.7M | 7.14% | 6.35% | -1.71% | 5.2% |
| Q2 2025 | 33 | $2.8M | 7.08% | 2.73% | -1.90% | 6.3% |
| Q1 2025 | 59 | $2.7M | 8.16% | 0.13% | -1.10% | 7.4% |
| Q4 2024 | 50 | $2.3M | 9.95% | 20.48% | 1.12% | 7.8% |
| Q3 2024 | 58 | $2.4M | 9.85% | 20.15% | 2.59% | 5.8% |
| Q2 2024 | 63 | $2.3M | 9.59% | 2.44% | 2.01% | 5.1% |
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).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Upstate Milk Employees Federal Credit UnionCredit union Lancaster, NY | 57 out of 100, Moderate | $2.5M | 9.6% | 0.74% | vs |
| Medical Employees of Staten Island Federal Credit UnionCredit union Staten Island, NY | 68 out of 100, Moderate | $2.5M | 9.6% | 0.18% | vs |
| Sloan Public Schools Federal Credit UnionCredit union Cheektowaga, NY | 78 out of 100, Strong | $1.9M | 14.1% | 0.56% | vs |
| I R E B Federal Credit UnionCredit union Brooklyn, NY | 61 out of 100, Moderate | $2.6M | 19.2% | 8.08% | vs |
| Latvian Federal Credit UnionCredit union Melville, NY | 88 out of 100, Very strong | $1.8M | 25.3% | 0.00% | vs |
| Great Neck School Employees Federal Credit UnionCredit union Great Neck, NY | 68 out of 100, Moderate | $2.7M | 26.2% | 0.99% | vs |
Deposit insurance
Is my money safe at Urban Upbound Federal Credit Union?
Yes. Urban Upbound Federal Credit Union is a federally insured credit union (NCUA charter #24823). 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 9.79%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Urban Upbound Federal Credit Union lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Urban Upbound Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24823
- RSSD ID
- 4194765
- Primary regulator
- NCUA
- Established
- 2009
- Headquarters
- 1303b 40th Ave, Long Island CIT, NY 11101
- Employees
- 6
Quick answers
Urban Upbound Federal Credit Union: common questions
Is Urban Upbound Federal Credit Union NCUA insured?
Yes. Urban Upbound Federal Credit Union is a federally insured credit union (NCUA charter #24823). 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 Urban Upbound Federal Credit Union's TellerScore?
53 out of 100 (Below average), 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 Urban Upbound Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Long Island CIT
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |