Credit union · NCUA insured
UHS Employees Federal Credit Union
A $25M credit union headquartered in Johnson City, NY, with 3,059 members and 3 branches in New York. Best rates: CDs 3.50% and savings 1.15% APY.
UHS Employees Federal Credit Union Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#4 of 10 in Binghamton, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UHS Employees Federal Credit Union
UHS Employees Federal Credit Union is a member-owned financial cooperative headquartered in Johnson City, New York.
- Headquarters
- 33-57 Harrison St, Johnson City, NY 13790
- NCUA charter
- 21586
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Aramark who work at United Health Services, Inc. facilities in Broome County, New York are eligible for membership.
- Employees of Broome Nurse Practitioners, PC are eligible for membership.
- Employees of UHS Employees Federal Credit Union are eligible for membership.
- Employees of Diabetic Care Associates who work in, or are paid or supervised from Binghamton, New York are eligible for membership.
- Employees of Guthrie Clinic who work in Vestal or Maine, NY are eligible for membership.
- Employees of Morris Protective Services, Inc. who work at United Health Services facilities in Broome County, New York are eligible for membership.
11 more ways to join
Employers and groups
- Employees of Park Avenue Associates in Radiology, PC/d/b/a Southern Tier Imaging are eligible for membership.
- Employees of Plastic Surgeons of Southern Tier, P.C. who work in Binghamton, NY are eligible for membership.
- Persons retired as pensioners or annuitants from any qualifying employment are eligible for membership.
- Employees of Sodexho Health Care Services who work at United Health Services, Inc. facilities in Broome County, New York are eligible for membership.
- Employees of Tier Orthopedic Associates, P.C. who work in Binghamton, NY are eligible for membership.
- Employees, doctors, medical staff, technicians, and volunteers of United Health Services Inc. and its specified affiliates in Binghamton, Johnson City, or Endicott, New York are eligible for membership.
- Employees of United Med. Management or United Medical Associates, P.C. who work and are paid from Johnson City, NY are eligible for membership.
Family and household
- Immediate family members (including spouse, child, sibling, parent, grand/step relatives, foster children) and household members living in the same residence with a current credit union member are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Other ways
- Any corporate or legal entity listed within the qualifying groups is eligible for membership.
- Organizations composed of members of the credit union or persons within the field of membership are eligible for membership.
Branches
3 branches in New York
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New York
3 branches
- WilsonMain office33-57 Harrison St, Johnson City, NY 13790Directions
- BGH Branch40 Mitchell Ave, Binghamton, NY 13903Directions
- Vestal4401 Vestal Pkwy E, Vestal, NY 13850Directions
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 | 10.66% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.05% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.41% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $54 | $59 | — |
- CapitalNet worth ratio10.66%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.05%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.41%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$54Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 UHS Employees 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.