Upstate Milk Employees

Lancaster, NY · 1 · Charter #20547
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
$2.5M
14th percentile
Members
455
16th percentile
Total loans
$834.4K
13th percentile
Total shares
$2.2M
16th percentile

Profitability

Return on assets
0.36%
29th percentile
Net interest margin
4.25%
61th percentile
Efficiency ratio
81.81%
21th percentile
Non-interest income ratio
1.39%
16th percentile

Capital & Risk

Net worth ratio
10.17%
17th percentile
Delinquency rate
3.75%
11th percentile
Net charge-off rate
0.18%
53th percentile
Loan-to-share
37.46%
19th percentile

Growth

Member growth YoY
-5.01%
17th percentile
Asset growth YoY
3.58%
66th percentile
Loan growth YoY
-13.39%
15th percentile
Share growth YoY
3.57%
68th percentile

Operations

Members / branch
455
21th percentile
Assets / member
$5,456
19th percentile
Field of membership penetration
56.88%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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