U. H. S. Employees
Johnson City, NY · Charter 21586 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$25.6MAssets
$12.1MLoans
$22.7MShares
$2.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 95% of credit unions under $1B in assets (rank 89 of 1681).
- Widest gap: efficiency ratio trails 84% of credit unions under $1B in assets (rank 1418 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.38%
Rank 299 of 1,683
Net Interest Margin
3.94%
Rank 718 of 1,683
Efficiency Ratio
91.27%
Rank 1,418 of 1,682
Equity / Assets
10.66%
Rank 1,227 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.35% | 0.74% | 1.18% | Beats 82% | 299 / 1,683 | | |
| Return on Equity | 12.99% | 2.67% | 5.89% | 8.74% | Beats 95% | 89 / 1,681 | | |
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 57% | 718 / 1,683 | | |
| Efficiency Ratio | 91.27% | 68.91% | 78.20% | 86.93% | Beats 16% | 1,418 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.05% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,153 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.66% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,227 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.66% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,227 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.59% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,244 / 1,683 | | |
| Loans / Assets | 47.49% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,185 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |