UFIRST

Charter #20613 | NY

100M-500M (1077 CUs) Micro
52 100M-500M in NY

UFIRST has 5 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 3.8% in tier
  • + Organic Growth Engine: Top 16.8% in tier
  • + ROA 0.68% above tier average
  • + Net Interest Margin 1.30% above tier average
  • + Share Certificate Concentration (%): Top 4.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 6.4% in tier
  • - Shrinking Wallet Share: Bottom 7.4% in tier
  • - Deposit Outflow: Bottom 11.2% in tier
  • - Capital Constraint: Bottom 19.5% in tier
  • - Liquidity Overhang: Bottom 21.0% in tier
  • - Indirect Auto Dependency: Bottom 25.0% in tier
  • - AMR Growth Rate: Bottom 5.3% in tier
  • - Deposit Growth Rate: Bottom 6.4% in tier
  • - Asset Growth Rate: Bottom 6.8% in tier
  • - Indirect Auto Concentration (%): Bottom 9.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 10,253
+2.0% YoY+1.1% QoQ
 -5.4K 15,628
-3.4% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 31st in tier
Assets $127.5M
-3.1% YoY-7.7% QoQ
 $-103.8M $231.3M
-0.0% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Bottom 18.9% in tier
Loans $98.9M
-2.0% YoY+2.5% QoQ
 $-48.9M $147.8M
-1.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 34th in tier
Deposits $114.5M
-3.0% YoY-8.9% QoQ
 $-85.8M $200.3M
-0.0% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Bottom 21.0% in tier
ROA 1.5%
+55.1% YoY+20.9% QoQ
 +0.7% 0.8%
+15.5% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Top 13.3% in tier
NIM 4.9%
+15.8% YoY+5.8% QoQ
 +1.3% 3.6%
+6.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Top 3.9% in tier
Efficiency Ratio 73.7%
-8.2% YoY-3.8% QoQ
 -3.6% 77.3%
-3.0% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 36th in tier
Delinquency Rate 0.8%
+134.9% YoY-19.1% QoQ
 -0.1 0.9%
+7.6% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 60th in tier
Loan To Share 86.4%
+1.1% YoY+12.5% QoQ
 +13.7% 72.7%
-1.5% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Top 22.2% in tier
AMR $20,817
-4.4% YoY-5.0% QoQ
 $-4K $24,363
+2.9% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 41st in tier
CD Concentration 4.7%
+47.6% YoY+19.2% QoQ
 -19.7% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 38.3%
-4.8% YoY-5.6% QoQ
 +24.3% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#73 of 627 • Top 3.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.46%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 1.96%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#309 of 603 • Top 16.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.96%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.46%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 38.26%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (6)

Credit Quality Pressure

risk
#159 of 736 • Bottom 6.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.46% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#75 of 244 • Bottom 7.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.42%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Deposit Outflow

decline
#67 of 114 • Bottom 11.2% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -3.04%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $127.48M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank improving

Capital Constraint

risk
#18 of 18 • Bottom 19.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 86.35%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -3.04%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 15.10%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
18 of 1077 Community CUs have this signature | 29 nationally
↓ Shrinking -33 CUs YoY | New qualifier

Liquidity Overhang

risk
#326 of 552 • Bottom 21.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.10%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 86.35%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#403 of 525 • Bottom 25.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -3.06%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 38.26%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.96%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

42
Net Interest Margin (NIM)
profitability
Value: 4.88%
Peer Avg: 3.58%
#42 of 1077 Top 3.8% in 100M-500M tier
47
Share Certificate Concentration (%)
balance_sheet
Value: 4.69%
Peer Avg: 23.61%
#47 of 1077 Top 4.3% in 100M-500M tier
143
Return on Assets (ROA)
profitability
Value: 1.46%
Peer Avg: 0.79%
#143 of 1077 Top 13.2% in 100M-500M tier
164
Net Worth Ratio
risk
Value: 15.10%
Peer Avg: 12.15%
#164 of 1077 Top 15.1% in 100M-500M tier
239
Loan-to-Share Ratio
balance_sheet
Value: 86.35%
Peer Avg: 72.70%
#239 of 1077 Top 22.1% in 100M-500M tier

Top Weaknesses (6 metrics)

1021
AMR Growth Rate
growth
Value: -4.42%
Peer Avg: 3.64%
#1021 of 1077 Bottom 5.3% in 100M-500M tier
1009
Deposit Growth Rate
growth
Value: -3.04%
Peer Avg: 4.69%
#1009 of 1077 Bottom 6.4% in 100M-500M tier
1005
Asset Growth Rate
growth
Value: -3.06%
Peer Avg: 4.70%
#1005 of 1077 Bottom 6.8% in 100M-500M tier
975
Indirect Auto Concentration (%)
balance_sheet
Value: 38.26%
Peer Avg: 13.34%
#975 of 1077 Bottom 9.6% in 100M-500M tier
873
Total Assets
balance_sheet
Value: $127.48M
Peer Avg: $231.30M
#873 of 1077 Bottom 19.0% in 100M-500M tier
851
Total Deposits
balance_sheet
Value: $114.53M
Peer Avg: $200.29M
#851 of 1077 Bottom 21.1% in 100M-500M tier