ULSTER
Charter #21694 · Kingston, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Efficiency ratio of 85.19% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 72nd — a 30-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 | ULSTER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $176.87M | 42th pct | 72th pct |
| Members | 6,975 | 11th pct | 39th pct |
| Net worth ratio | 10.30% | 32th pct | 30th pct |
| Return on average assets | 0.63% | 44th pct | 41th pct |
| Net interest margin | 2.89% | 10th pct | 38th pct |
| Cost of funds | 0.76% | 28th pct | 38th pct |
| Loan-to-share | 25.14% | 1th pct | 11th pct |
| Delinquency 60+ days | 0.58% | 47th pct | 56th pct |
| Net charge-off ratio | 0.24% | 36th pct | 57th pct |
| Loan growth YoY | -2.58% | 20th pct | 33th pct |
| Share growth YoY | 6.43% | 84th pct | 92th pct |
| Efficiency ratio | 85.19% | 72th pct | 79th pct |
structural peer set hash: 9f9a4ff36783e50391e5e733ccc8c206… (reproducible)
Closest structural peers
This is the free public view
Claim ULSTER
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.