Kingston, New York · Peer group 5
Ulster Credit Union
Ulster Credit Union holds $176.9M in assets across 6,975 members as of Q1 2026 — about $25K of assets per member, on a charter dating to 1974. Charter number 21694, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $176.9M |
|---|---|
| Total loans | $41.7M |
| Total shares (deposits) | $165.8M |
| Net worth | $18.2M |
| Members | 6,975 |
| Assets per member | $25K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 8.5% | |
|---|---|---|
| Loans | -1.3% | around the 28th percentile of its peer group |
| Deposits | 7.9% | around the 85th percentile of its peer group |
| Members | -1.8% | around the 32nd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 25.1% | lower than 99% of its peer group |
|---|---|---|
| Net worth ratio | 10.3% | around the 32nd percentile of its peer group |
| Return on assets | 0.62% | around the 44th percentile of its peer group |
| Delinquency ratio | 0.58% | around the 47th percentile of its peer group |
| Cash / assets | 22.3% | higher than 95% of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Ulster Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Trailnorth Credit Union
Ticonderoga, NY
$176.5M · 10,968 members
- Genesee Valley Credit Union
GENESEO, NY
$175.0M · 9,408 members
- First Choice Financial Credit Union
Gloversville, NY
$180.8M · 13,355 members
- Sjp Credit Union
Buffalo, NY
$186.0M · 7,258 members
- Tonawanda Valley Credit Union
Batavia, NY
$167.0M · 12,996 members
- Southern Chautauqua Credit Union
Lakewood, NY
$166.3M · 21,346 members
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