Credit Union Safety Analysis
Is Urban Upbound Federal Credit Union Safe? Long Island City, New York
Based on its Q2 2026 NCUA 5300 call report, Urban Upbound Federal Credit Union has a net worth ratio of 9.79%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.44%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Urban Upbound Federal Credit Union's net worth ratio is 9.79%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.79%
- Delinquency ratio (60+ days) (Q2 2026): 1.44%
- Return on assets (Q2 2026): -0.38%
- Loan-to-share ratio (Q2 2026): 5.94%
Urban Upbound Federal Credit Union (NCUA charter 24823, established 2010) reported $2.2M in assets and 1,471 members for Q2 2026 from Long Island City, New York. It ranks 238 of 267 credit unions in New York by total assets. Total assets fell 21.5% from $2.8M on June 30, 2025. It has 22 fewer members than on June 30, 2025 (-1.5%). Its net worth ratio was up 2.71 percentage points from 7.08% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $111K of $113K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.44% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 9.34% for Q1 2026; 7.08% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 3.17% for Q1 2026; 2.73% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.43% for Q1 2026; -2.75% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 5.74% for Q1 2026; 6.30% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $111K
- Unsecured credit card loans: $1K
- Other secured non-real estate loans and lines of credit: $369
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.2M | 9.79% | 1.44% | -0.38% | 5.94% |
| March 31, 2026 | $2.3M | 9.34% | 3.17% | -0.43% | 5.74% |
| December 31, 2025 | $2.6M | 8.55% | 5.51% | 4.54% | 4.87% |
| September 30, 2025 | $2.7M | 7.14% | 6.35% | -1.15% | 5.19% |
| June 30, 2025 | $2.8M | 7.08% | 2.73% | -2.75% | 6.30% |
| March 31, 2025 | $2.7M | 8.16% | 0.13% | -1.10% | 7.37% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Urban Upbound Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24823) · FFIEC NIC profile (RSSD 4194765)
Frequently asked questions
Is Urban Upbound Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Urban Upbound Federal Credit Union's net worth ratio is 9.79%, above the 7% NCUA threshold for well capitalized.
Is Urban Upbound Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Urban Upbound Federal Credit Union is a federally insured credit union (NCUA charter 24823): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Urban Upbound Federal Credit Union's key safety ratios?
For Q2 2026, Urban Upbound Federal Credit Union reports net worth 9.79%, delinquency 1.44%, ROA -0.38%, loan-to-share 5.94%.
What happens to my money if Urban Upbound Federal Credit Union fails?
For Q2 2026, Urban Upbound Federal Credit Union held $1.9M in shares and deposits for 1,471 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.