U. H. S. EMPLOYEES
Charter #21586 · Johnson City, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.14% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.15% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 33rd — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | U. H. S. EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $24.99M | 49th pct | 33th pct |
| Members | 3,059 | 77th pct | 74th pct |
| Net worth ratio | 10.73% | 24th pct | 28th pct |
| Return on average assets | 2.14% | 96th pct | 95th pct |
| Net interest margin | 4.02% | 58th pct | 62th pct |
| Cost of funds | 0.83% | 49th pct | 52th pct |
| Loan-to-share | 56.24% | 49th pct | 44th pct |
| Delinquency 60+ days | 0.20% | 30th pct | 39th pct |
| Net charge-off ratio | -0.15% | 7th pct | 5th pct |
| Loan growth YoY | -6.91% | 18th pct | 13th pct |
| Share growth YoY | 3.67% | 62th pct | 62th pct |
| Efficiency ratio | 82.25% | 55th pct | 48th pct |
structural peer set hash: 17d9637f83dbe309c9ca8085531a91bf… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.