Ulster
Kingston, NY · Charter 21694 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$179.0MAssets
$43.2MLoans
$167.7MShares
$18.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 51% of credit unions under $1B in assets (rank 820 of 1681).
- Widest gap: net interest margin trails 90% of credit unions under $1B in assets (rank 1508 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.62%
Rank 988 of 1,683
Net Interest Margin
2.89%
Rank 1,508 of 1,683
Efficiency Ratio
83.46%
Rank 1,114 of 1,682
Equity / Assets
10.33%
Rank 1,280 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 41% | 988 / 1,683 | |
| Return on Equity | 6.00% | 2.67% | 5.89% | 8.74% | Beats 51% | 820 / 1,681 | |
| Net Interest Margin | 2.89% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,508 / 1,683 | |
| Efficiency Ratio | 83.46% | 68.91% | 78.20% | 86.93% | Beats 34% | 1,114 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.26% | 0.65% | 1.29% | Beats 43% | 969 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.33% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,280 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.33% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,280 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 25.73% | 52.61% | 69.38% | 83.50% | 3rd pctl | 1,628 / 1,683 | |
| Loans / Assets | 24.11% | 44.71% | 59.18% | 70.72% | 5th pctl | 1,600 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |