Credit union · NCUA insured
UFirst Federal Credit Union
A $125.9M credit union headquartered in Plattsburgh, NY, with 10,445 members and 3 branches in New York. Best rates: savings 4.00% APY.
UFirst Federal Credit Union Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#4 of 8 in Plattsburgh, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UFirst Federal Credit Union
UFirst Federal Credit Union is a financial institution with its main branch located in Plattsburgh, New York.
- Headquarters
- 274 Rugar St, Plattsburgh, NY 12901
- NCUA charter
- 20613
Branches
3 branches in New York
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New York
3 branches
- UFirst FCUMain office274 Rugar St, Plattsburgh, NY 12901Directions
- UFirst FCU101 Broad St, College Angell Center, Plattsburgh, NY 12901Directions
- UFirst FCU72 Champlain St, Rouses Point, NY 12979Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.41% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.92% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.50% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio15.41%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.92%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.50%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of UFirst Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.