Upstate

Anderson, SC · 1 · Charter #24484 · www.upstatefcu.org
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
$139.4M
68th percentile
Members
17,300
95th percentile
Total loans
$97.4M
75th percentile
Total shares
$122.8M
70th percentile

Profitability

Return on assets
0.71%
29th percentile
Net interest margin
4.87%
94th percentile
Efficiency ratio
77.06%
11th percentile
Non-interest income ratio
30.54%
93th percentile

Capital & Risk

Net worth ratio
10.01%
23th percentile
Delinquency rate
0.46%
68th percentile
Net charge-off rate
0.30%
52th percentile
Loan-to-share
79.32%
69th percentile

Growth

Member growth YoY
5.99%
94th percentile
Asset growth YoY
1.26%
29th percentile
Loan growth YoY
4.07%
66th percentile
Share growth YoY
9.05%
85th percentile

Operations

Members / branch
2,471
35th percentile
Assets / member
$8,058
5th percentile
Field of membership penetration
1.58%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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