Ulster Federal Credit Union Kingston, New York
Ulster Federal Credit Union is a federal credit union headquartered in Kingston, NY, established in 1974 (NCUA charter 21694), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,945 members and total assets of $179.0M (up 8.5% from Q2 2025), the 63rd largest of 267 credit unions headquartered in New York. Its net worth ratio was 10.33% at Q2 2026, in the well capitalized band.
Also written as Ulster FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 21694
- Headquarters
- Kingston, NY
- Established
- 1974
- Total assets, Q2 2026
- $179.0M
- Assets vs Q2 2025
- +8.5%
- Members, Q2 2026
- 6,945
- Net worth ratio, Q2 2026
- 10.33%
- Latest call report
- Q2 2026, NCUA 5300 · Ulster Federal Credit Union call report
- Asset rank in state
- 63rd of 267 in New York
- Routing number
- 221976227
- Branches
- 5
It has 137 fewer members than on June 30, 2025 (-1.9%). Its net worth ratio was down 0.36 percentage points from 10.69% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $15.2M of $43.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.81% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.33% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in New York
Frequently asked about Ulster Federal Credit Union
How big is Ulster Federal Credit Union?
At Q2 2026 it reported total assets of $179.0M and 6,945 members.
Where is Ulster Federal Credit Union headquartered?
It is headquartered in Kingston, NY, United States.
When was Ulster Federal Credit Union founded?
It was established in 1974, per NCUA records.
Is Ulster Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 21694): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Ulster Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Ulster Federal Credit Union well capitalized?
Its net worth ratio was 10.33% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Ulster Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.81% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Ulster Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 25.73% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Kingston, NY 12401
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1974
- NCUA Charter #
- 21694
- RSSD ID
- 80888
- Members
- 6,945
- Potential members
- 183,565
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.33% | 11.43% | 33rd below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.63% | 0.81% | 38th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 6.07% | 7.02% | 42nd below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 2.96% | 3.70% | 12th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 81.89% | 76.55% | 31st below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.69% | 1.24% | 87th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.81% | 0.68% | 43rd below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 3.65% | 4.92% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 25.73% | 75.66% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$179.0M total assets against $165.0M; $167.7M total shares and deposits against $155.3M; $43.2M total loans against $42.3M.
$18.5M net worth against $17.6M.
10.33% net worth ratio against 10.69%.
25.73% loan-to-share ratio against 27.24%.
0.81% delinquency ratio against 0.68%.
0.63% return on assets against 0.75%; 6.07% return on equity against 7.04%.
2.96% net interest margin against 3.16%.
6,945 members against 7,082.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.33% | 0.63% | 0.81% | 25.73% |
| March 31, 2026 | 10.30% | 0.62% | 0.58% | 25.14% |
| December 31, 2025 | 10.40% | 0.24% | 0.66% | 26.22% |
| September 30, 2025 | 10.69% | 0.47% | 0.67% | 27.46% |
| June 30, 2025 | 10.69% | 0.75% | 0.68% | 27.24% |
| March 31, 2025 | 10.63% | 1.33% | 0.56% | 27.48% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.