Ufirst
Plattsburgh, NY · Charter 20613 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 3 branches
Q2 2026
$128.6MAssets
$102.8MLoans
$113.5MShares
$19.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets in NY (rank 3 of 59).
- Widest gap: efficiency ratio trails 76% of credit unions under $1B in assets in NY (rank 46 of 59).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.51%
Rank 43 of 59
Net Interest Margin
5.24%
Rank 3 of 59
Efficiency Ratio
83.18%
Rank 46 of 59
Equity / Assets
15.41%
Rank 17 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.28% | 1.01% | 1.42% | Beats 27% | 43 / 59 | |
| Return on Equity | 3.29% | 2.31% | 7.92% | 10.52% | Beats 25% | 44 / 59 | |
| Net Interest Margin | 5.24% | 3.24% | 3.66% | 4.04% | Beats 95% | 3 / 59 | |
| Efficiency Ratio | 83.18% | 63.53% | 74.15% | 82.44% | Beats 24% | 46 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.32% | 0.68% | 1.20% | Beats 42% | 35 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.41% | 10.94% | 13.05% | 16.06% | Beats 71% | 17 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.41% | 10.94% | 13.05% | 16.06% | Beats 71% | 17 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 90.52% | 40.49% | 57.59% | 78.86% | 92nd pctl | 5 / 59 | |
| Loans / Assets | 79.92% | 33.06% | 50.92% | 63.03% | 95th pctl | 3 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |