Federal credit union · Johnson City, New York · NCUA charter #21586
U. H. S. Employees
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $24.5M
- Total assets
- 3,075
- Members
- 10.7%
- Net-worth ratio
U. H. S. Employees scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.5M; members 3,075; net-worth ratio 10.73%; health rank #2,145 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,145 of 4,374 health · 2025Q4U. H. S. Employees · health 84/100 · $24.5M · 2025Q4
- NW 84/100
- DELQ 10.7%
- ROA 0.19%
- ASSETS 0.65%
- MEM $24.5M
- RANK 3,075
- PHOTO #2,145/4,374
- BOOK Northern Redwood
- CHARTER 21586
Call Report peers
U. H. S. Employees in the assets neighbourhood
U. H. S. Employees's $24.5M assets sit next to Northern Redwood ($24.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U. H. S. Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
U. H. S. Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #21586: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where U. H. S. Employees diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.95 pp (0.19% vs 1.15%).
- Net Worth Ratio trails the peer set - 10.73% here, 14.86% peer average (-4.13 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
U. H. S. Employees in New York
- Health composite ranks #123 of 272 among scored New York credit unions.
- By total assets, U. H. S. Employees is #171 of 272 in New York.
- Membership ranks #141 of 272 among New York CUs with a reported count (3,075 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for U. H. S. Employees
U. H. S. Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $24.5M (2025Q4) to $25.0M (2026Q1).
- Net-worth ratio shifted +0.31 pp (10.42% → 10.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.1 pts
- Loan-to-Share Ratio 12.9 pts
U. H. S. Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.73% | -4.13 pp |
| Delinquency Rate | 0.19% | -0.95 pp |
| Return on Assets | 0.65% | -0.06 pp |
| Member Growth | -4.38% | - |
| Loan-to-Share Ratio | 58.63% | -1.17 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - U. H. S. Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.0M | - |
| 2025Q4 | $24.5M | 3,075 |
| 2024Q4 | $24.1M | 3,216 |
| 2023Q4 | $22.9M | 3,270 |
Credit Union Details
- Charter Number
- 21586
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Johnson City
- Data Quarter
- 2025Q4
Branch Locations (3)
U. H. S. Employees operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Wilson (Main Office) | Johnson City, NY |
| BGH Branch | Binghamton, NY |
| Vestal | Vestal, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Cross-state Call Report peers for U. H. S. Employees
Two NCUA Call Report peer sets for U. H. S. Employees, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- U. H. S. Employees ranks #2,145 of 4,374 nationally on financial health and #123 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Westside Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Westside Community
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is U. H. S. Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, U. H. S. Employees carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,145 of 4,374; by total assets it ranks #3,011 of 4,374 nationally (same basis as /rankings/largest); and #171 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.73% net worth ratio and a 0.19% delinquency rate.
How does U. H. S. Employees compare to other credit unions?
On PlainCU's health composite, U. H. S. Employees lands at 84/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join U. H. S. Employees?
U. H. S. Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact U. H. S. Employees directly for the exact boundaries and application steps.
Is my money safe at U. H. S. Employees?
Federal credit unions like U. H. S. Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. U. H. S. Employees's net worth ratio of 10.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does U. H. S. Employees offer compared to banks?
Credit unions like U. H. S. Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact U. H. S. Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.