Federal credit union · LONG ISLAND CIT, New York · NCUA charter #24823
Urban Upbound
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $2.6M
- Total assets
- 1,363
- Members
- 9.3%
- Net-worth ratio
Urban Upbound scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.6M; members 1,363; net-worth ratio 9.34%; health rank #4,207 of 4,374; healthier than 4th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,207 of 4,374 health · 2025Q4Urban Upbound · health 54/100 · $2.6M · 2025Q4
Call Report peers
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Urban Upbound vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Urban Upbound sits in 50-54 with 82 others.
54 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Urban Upbound vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Return on Assets: +0.53 pp (0.98% vs 0.45%).
- Loan-to-Share Ratio trails the peer set - 4.87% here, 63.60% peer average (-58.73 pp).
Urban Upbound in New York
- New York health ordinal: #259 of 272.
- By total assets, Urban Upbound is #240 of 272 in New York.
- Membership ranks #204 of 272 among New York CUs with a reported count (1,363 members).
- One place up in New York, ALTERNATIVES (#258) ties at 54/100; one place down, Scf Westchester N. Y. Employees (#260) scores 53/100, 1 point lower.
How Urban Upbound's 5300 filing moved
Urban Upbound: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -9.4% from $2.6M (2025Q4) to $2.3M (2026Q1).
- Net-worth ratio shifted +0.79 pp (8.55% → 9.34%).
9.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 54/100 score is built
Urban Upbound gives up 46 points in total. Delinquency Rate costs the most, 25 of its 25; Return on Assets scores full marks.
- Net Worth Ratio 28.4 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 6.0 pts
Urban Upbound health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.34% | -9.72 pp |
| Delinquency Rate | 5.51% | +3.70 pp |
| Return on Assets | 0.98% | +0.53 pp |
| Member Growth | -2.43% | - |
| Loan-to-Share Ratio | 4.87% | -58.73 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Urban Upbound filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.3M | - |
| 2025Q4 | $2.6M | 1,363 |
| 2024Q4 | $2.3M | 1,397 |
| 2023Q4 | $2.0M | 1,321 |
Credit Union Details
- Charter Number
- 24823
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New York
- City
- LONG ISLAND CIT
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Urban Upbound runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Branch (Main Office) | Long Island City, NY |
| UUFCU Steinway | Astoria, NY |
| Sponsor Main Office | Long Island City, 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 Urban Upbound
Similar health score
Using this data
- Urban Upbound ranks #4,207 of 4,374 nationally on financial health and #259 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Medical Employees of Staten Island is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Medical Employees of Staten Island
Frequently Asked Questions
Is Urban Upbound financially healthy?
Urban Upbound has a financial health score of 54/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,207 of 4,374 nationally on health and #259 of 272 in New York. Its net worth ratio is 9.34% and its delinquency rate 5.51%.
How does Urban Upbound compare to other credit unions?
Urban Upbound scores 54/100, higher than 4% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is return on assets (0.98% vs 0.45%). Its widest shortfall is loan-to-share ratio (4.87% vs 63.60%).
How can I join Urban Upbound?
Urban Upbound 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 Urban Upbound directly for the exact boundaries and application steps.
Is my money safe at Urban Upbound?
Urban Upbound 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. Urban Upbound's net worth ratio of 9.34% 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.