Upstate Telco

Gloversville, NY · 1 · Charter #10746 · www.upstatetelcofcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$4.2M
21th percentile
Members
524
18th percentile
Total loans
$988.1K
14th percentile
Total shares
$3.5M
23th percentile

Profitability

Return on assets
1.53%
80th percentile
Net interest margin
4.93%
81th percentile
Efficiency ratio
94.46%
9th percentile
Non-interest income ratio
1.81%
18th percentile

Capital & Risk

Net worth ratio
16.49%
59th percentile
Delinquency rate
0.80%
47th percentile
Net charge-off rate
-0.15%
96th percentile
Loan-to-share
28.60%
11th percentile

Growth

Member growth YoY
21.02%
98th percentile
Asset growth YoY
-1.41%
33th percentile
Loan growth YoY
-10.44%
23th percentile
Share growth YoY
-3.28%
28th percentile

Operations

Members / branch
524
24th percentile
Assets / member
$7,958
38th percentile
Field of membership penetration
87.33%
94th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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