UFIRST
Federal • Plattsburgh, New York • Est. 1971
Quick Facts
- Charter Number
- #20613
- Type
- Federal
- Established
- 1971
- Headquarters
- Plattsburgh, New York 12901
- Address
- 274 Rugar St
- Branches
- 4
- ATMs
- 3
- Members
- 10,370
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
10,370 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UFIRST |
|---|---|
| Total Assets | $130.1M |
| Members | 10,370 |
| Loans Outstanding | $101.7M |
| Shares & Deposits | $116.3M |
| Net Worth | $19.5M |
| Net Worth Ratio | 14.98% |
| Loan-to-Share Ratio | 87.4% |
| Delinquency Rate | 0.83% |
| Net Income | +$2,290,018 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 3 ATMs
UFirst FCU
Main Office274 Rugar St
Plattsburgh, NY 12901
UFirst FCU
101 Broad St
Plattsburgh, NY 12901
UFirst FCU
72 Champlain St
Rouses Point, NY 12979
Cornerstone Drug & Gift
72 Champlain St
Rouses Point, NY 12979-1505
Who Can Join UFIRST?
Membership Type: Other/Unknown
Membership eligibility for UFIRST may vary. Contact the credit union directly to confirm qualification requirements.
Contact UFIRST directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. UFIRST is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, UFIRST has 10,370 members and a potential membership field of 220,295 people.
UFIRST's net worth ratio is 14.98% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.0%, UFIRST meets this threshold.
UFIRST operates 4 branch locations and has access to 3 ATMs. The main office is located at 274 Rugar St, Plattsburgh, NY 12901.
UFIRST was established in 1971. It is a federal credit union chartered under charter number 20613. The institution has been serving members for 55 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or UFIRST. All financial data is for informational purposes only.