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
Call Report peers
U. H. S. Employees in the assets neighbourhood
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U. H. S. Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); U. H. S. Employees sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in New York, Niagara's Choice (#122) ties at 84/100; one place down, N Y Team (#124) ties at 84/100.
Quarter path for U. H. S. Employees
U. H. S. Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $24.5M (2025Q4) to $25.0M (2026Q1).
- Net-worth ratio shifted +0.31 pp (10.42% → 10.73%).
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
U. H. S. Employees gives up 16 points in total. Member Growth costs the most, 13.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is U. H. S. Employees financially healthy?
U. H. S. Employees has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,145 of 4,374 nationally on health and #123 of 272 in New York. Its net worth ratio is 10.73% and its delinquency rate 0.19%.
How does U. H. S. Employees compare to other credit unions?
U. H. S. Employees scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.19% vs 1.15%). Its widest shortfall is net worth ratio (10.73% vs 14.86%).
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?
U. H. S. Employees is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.