U.P. State

Escanaba, MI · 2 · Charter #62085 · www.upscu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$206.5M
91th percentile
Members
14,209
88th percentile
Total loans
$124.5M
88th percentile
Total shares
$179.4M
91th percentile

Profitability

Return on assets
1.40%
72th percentile
Net interest margin
4.57%
90th percentile
Efficiency ratio
69.85%
27th percentile
Non-interest income ratio
18.28%
56th percentile

Capital & Risk

Net worth ratio
12.56%
54th percentile
Delinquency rate
0.66%
54th percentile
Net charge-off rate
0.12%
81th percentile
Loan-to-share
69.41%
52th percentile

Growth

Member growth YoY
-6.88%
7th percentile
Asset growth YoY
4.88%
60th percentile
Loan growth YoY
13.32%
92th percentile
Share growth YoY
4.20%
58th percentile

Operations

Members / branch
2,368
32th percentile
Assets / member
$14,534
50th percentile
Field of membership penetration
4.06%
41th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for U.P. State?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo