Unverified listing What this means
The Lender Report built this page from public records. Ufirst Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Ufirst Credit Union itself. Each figure shows its source and date. Work at Ufirst Credit Union? You can claim this page for free.
Credit union, Plattsburgh, NY
Ufirst Credit Union
A credit union based in Plattsburgh, NY. It reported no business loans on its books as of June 30, 2026. Public files show recent SBA 504 loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $0
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 0
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 1
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $129M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 518-324-5700 From the NCUA record, June 30, 2026.
- Website
- www.ufirstfcu.netFrom the NCUA record, November 9, 2026.
- Commercial lending page
- ufirstfcu.netFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- UFIRST; UFirst FCUNCUA 5300,
- Address
- 274 Rugar St, Plattsburgh, NY 12901NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Community credit unions.
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jul 2024 | Utah | SBA 504, Offices of Dentists | $2.2M | 25 yr | SBA FOIA | ||
| 1 SBA 504 first lien since October 2023, net of cancelled | $2.20M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $2.2M | $2.2M | $2.2M | SBA FOIA, |
How these public files were tied to this lender. SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, New York district (FHFA).
Where it lends
Offices beside loans on record
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $15.8M | $8.52M to $64.8M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $0 | $0 to $13.3M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 0.0% | 0.0% to 79.9% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $2.97M | $979K to $11.8M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 0.0% | 0.0% to 49.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 79.9% | 36.3% to 86.5% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| New York University Credit Union | NY | $77.7M | $0 |
| Western Division Credit Union | NY | $224M | $0 |
| Kenmore N. y. Teachers Credit Union | NY | $69.5M | $0 |
| Utica Gas & Electric Emp Credit Union | NY | $136M | $12.6M |
| Community Resource Credit Union | NY | $120M | $201K |
| Servu Credit Union | NY | $529M | $0 |
| Syracuse Fire Department Employees Credit Union | NY | $147M | $354K |
| Trunorthern Credit Union | NY | $112M | $833K |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it made any commercial real estate loans in the first half of 2026. It reported none, and the 5300 covers only what it files.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Ufirst Credit Union, NCUA charter 20613. Compare it with the regulator's record. [NCUA profile]
- Balances. $129M in total assets and no commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. Your NCUA Form 5300 for June 30, 2026 reports no commercial loans made, and 1 loan in SBA files, through September 30, 2026: 1 SBA 504 first lien in 36 months. [How each file was tied to Ufirst Credit Union]
- Phone and website. Phone 518-324-5700, from the NCUA record. Website ufirstfcu.net, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 20613
- RSSD
- 593089
- The Lender Report ID
- lr_005146
- Main office county
- Clinton
- Members
- 10,729
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $128.6M in total assets as of June 30, 2026 (NCUA 5300).
- Provided the first lien on 1 SBA 504 project with $2.2M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 3 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Ufirst Credit Union, https://lender.report/lender/ufirst-credit-union-ny/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Ufirst Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem