ULSTER
Federal • Kingston, New York • Est. 1974
Quick Facts
- Charter Number
- #21694
- Type
- Federal
- Established
- 1974
- Headquarters
- Kingston, New York 12402
- Address
- PO Box 2310
- Branches
- 5
- ATMs
- 2
- Members
- 7,031
- 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
7,031 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ULSTER |
|---|---|
| Total Assets | $172.4M |
| Members | 7,031 |
| Loans Outstanding | $42.2M |
| Shares & Deposits | $161.0M |
| Net Worth | $17.9M |
| Net Worth Ratio | 10.40% |
| Loan-to-Share Ratio | 26.2% |
| Delinquency Rate | 0.66% |
| Net Income | +$1,121,903 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 2 ATMs
Schwenk Dr
Main Office127 Schwenk Dr
Kingston, NY 12401
Ulster Avenue
807 Ulster Ave
Kingston, NY 12401
Saugerties
9W Simmons Plz
Saugerties, NY 12477
Iron Mountain
692 Binnewater Rd
Kingston, NY 12401
CMC Flex
8520 S Sandy Pkwy
Sandy, UT 84070
Who Can Join ULSTER?
Membership Type: Other/Unknown
Membership eligibility for ULSTER may vary. Contact the credit union directly to confirm qualification requirements.
Contact ULSTER 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. ULSTER 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, ULSTER has 7,031 members and a potential membership field of 183,048 people.
ULSTER's net worth ratio is 10.40% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.4%, ULSTER meets this threshold.
ULSTER operates 5 branch locations and has access to 2 ATMs. The main office is located at 127 Schwenk Dr, Kingston, NY 12401.
ULSTER was established in 1974. It is a federal credit union chartered under charter number 21694. The institution has been serving members for 52 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ULSTER. All financial data is for informational purposes only.