U. H. S. Employees Federal Credit Union

Overview / Commentary
33-57 Harrison St
Johnson City, NY 13790

U. H. S. Employees Federal Credit Union is headquartered in Johnson City and is the 176th largest credit union in the state of New York. It is also the 3,309th largest credit union in the nation. It was established in 1974 and as of March of 2020, it had grown to 10 employees and 3,329 members at 4 locations. U. H. S. Employees Federal Credit Union's money market rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to employees, retirees or volunteers of the UHS healthcare system in the Southern Tier of New York.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. U. H. S. Employees Federal Credit Union has a low asset base.

Health Grade Components

NCUA #21586
Year Chartered1974
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD2.77%
Annual Interest Income$182.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$20.8MM$18.8MM
LoansQ1 2020vs Q1 2019$10.9MM$10.0MM
DepositsQ1 2020vs Q1 2019$18.8MM$16.9MM
Equity CapitalQ1 2020vs Q1 2019$1.9MM$1.8MM
Loan Loss AllowanceQ1 2020vs Q1 2019$61.00K$51.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$68.00K$51.00K
Real Estate OwnedQ1 2020vs Q1 2019$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

U. H. S. Employees Federal Credit Union Savings Account Rates

0.20%--Holiday Club Account
0.10%$25-Share Account

U. H. S. Employees Federal Credit Union Money Market Rates

1.00%*$100k*-Premier Money Market
OTHER TIERS: 0.25% $2.5k - $10k | 0.50% $10k - $50k | 0.75% $50k - $100k

U. H. S. Employees Federal Credit Union CD Rates

1.10%$500-5 Year CD
0.90%$500-3 Year CD
0.70%$500-18 Month CD
0.25%$25-12 Month Lucky Savers Certificate
0.15%$500-1 Year CD
0.10%$500-6 Month CD

U. H. S. Employees Federal Credit Union Locations
Branch Office33-57 Harrison StJohnson City, NY 13790
Branch Office40 Mitchell AveBinghamton, NY 13903
Branch Office4401 Vestal Pkwy EVestal, NY 13850-3514
Branch Office33 Lewis RdBinghamton, NY 13905-1048

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