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
- MEM 83/100
- RANK 10.3%
- PHOTO 0.66%
- BOOK 1.10%
- CHARTER $172.4M
- NCUSIF 7,031
- CAMELS #2,310/4,374
- HEALTH NAVEO
- NW 21694
Call Report peers
ULSTER in the assets neighbourhood
ULSTER's $172.4M assets sit next to NAVEO ($172.4M) 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.
ULSTER 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
83 46th percentile higher than 46% 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
ULSTER - Share Insurance Coverage
Charter #21694's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ULSTER: 2025Q4 → 2026Q1
ULSTER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $172.4M (2025Q4) to $176.9M (2026Q1).
- Net-worth ratio shifted -0.10 pp (10.40% → 10.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
ULSTER's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($172.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- 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 ULSTER financially healthy?
A 10.30% net worth ratio and a 0.66% delinquency rate feed into ULSTER's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,310 of 4,374; by total assets it ranks #1,389 of 4,374 nationally (same basis as /rankings/largest); and #63 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ULSTER compare to other credit unions?
ULSTER scores 83/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like ULSTER 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. ULSTER's net worth ratio of 10.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ULSTER offer compared to banks?
Credit unions like ULSTER 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 ULSTER 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.