Federal credit union · Kingston, New York · NCUA charter #21694
ULSTER
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $172.4M
- Total assets
- 7,031
- Members
- 10.3%
- Net-worth ratio
ULSTER scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $172.4M; members 7,031; net-worth ratio 10.30%; health rank #2,310 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,310 of 4,374 health · 2025Q4ULSTER · health 83/100 · $172.4M · 2025Q4
Call Report peers
ULSTER in the assets neighbourhood
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ULSTER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ULSTER sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for ULSTER
- Strongest edge vs 1069 $100M–$500M peers is Return on Assets: +0.48 pp (1.10% vs 0.62%).
- Largest lag: Loan-to-Share Ratio at 26.22% vs peer 72.20% (-45.98 pp).
ULSTER in New York
- In New York, health place is #128 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, ULSTER is #63 of 272 in New York.
- Membership ranks #90 of 272 among New York CUs with a reported count (7,031 members).
- One place up in New York, Niagara Falls a F (#127) ties at 83/100; one place down, TRANSIT (#129) ties at 83/100.
ULSTER: 2025Q4 → 2026Q1
ULSTER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $172.4M (2025Q4) to $176.9M (2026Q1).
- Net-worth ratio shifted -0.10 pp (10.40% → 10.30%).
This credit union's 10.30% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
ULSTER gives up 17 points in total. Member Growth costs the most, 8.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.4 pts
- Return on Assets 15.0 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 8.1 pts
ULSTER vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.30% | -1.81 pp |
| Delinquency Rate | 0.66% | -0.24 pp |
| Return on Assets | 1.10% | +0.48 pp |
| Member Growth | -1.40% | - |
| Loan-to-Share Ratio | 26.22% | -45.98 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - ULSTER
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $176.9M | - |
| 2025Q4 | $172.4M | 7,031 |
| 2024Q4 | $158.4M | 7,131 |
| 2023Q4 | $157.7M | 7,353 |
Credit Union Details
- Charter Number
- 21694
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Kingston
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for ULSTER, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Schwenk Dr (Main Office) | Kingston, NY |
| Ulster Avenue | Kingston, NY |
| Iron Mountain | Kingston, NY |
| CMC Flex | Sandy, UT |
| Saugerties | Saugerties, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Cross-state Call Report peers for ULSTER
Using this data
- ULSTER ranks #2,310 of 4,374 nationally on financial health and #128 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Genesee Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Genesee Valley
Frequently Asked Questions
Is ULSTER financially healthy?
On its 2025Q4 NCUA 5300 filing, ULSTER scores 83/100 (Excellent), with a 10.30% net worth ratio and 0.66% of loans delinquent. It ranks #2,310 of 4,374 nationally on health and #128 of 272 in New York.
How does ULSTER compare to other credit unions?
ULSTER scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.10% vs 0.62%). Its widest shortfall is loan-to-share ratio (26.22% vs 72.20%).
How can I join ULSTER?
ULSTER 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 ULSTER directly for the exact boundaries and application steps.
Is my money safe at ULSTER?
ULSTER 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. ULSTER's net worth ratio of 10.30% 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.