Side-by-side · Q2 2026 data
Upstate Milk Employees Federal Credit Union vs Urban Upbound Federal Credit Union
Credit union
Upstate Milk Employees Federal Credit Union
Lancaster, New York · Under $100 million in assets
Credit union
Urban Upbound Federal Credit Union
Long Island CIT, New York · Under $100 million in assets
Metric by metric
| Measure | Upstate Milk Employees Federal Credit Union | Urban Upbound Federal Credit Union |
|---|---|---|
| TellerScore | 57 (stronger) | 53 |
| Capital cushion | 46 | 48 (stronger) |
| Loan quality | 75 (stronger) | 52 |
| Earnings | 0 | 3 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 17th | 12th |
| Total assets | $2.5M | $2.2M |
| Deposits / shares | $2.2M | $1.9M |
| Capital ratio | 9.62% | 9.79% (stronger) |
| Problem loans | 0.74% (stronger) | 1.44% |
| Net charge-offs | 5.83% | 0.00% (stronger) |
| Return on assets | -1.15% | -0.42% (stronger) |
| Loans ÷ deposits | 37.6% | 5.9% (stronger) |
| Uninsured deposits | 3.6% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Upstate Milk Employees Federal Credit Union has the higher TellerScore (57 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Upstate Milk Employees Federal Credit Union leads on 2 and Urban Upbound Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.