TellerScore

U.P.S. Credit Union is a non-federally insured state credit union headquartered in Cincinnati, Ohio. At the end of Q2 2026 it reported $3.1M in total assets and $2.7M in member shares and deposits.

Based on its Q2 2026 filing, U.P.S. Credit Union scores 49/100, which we describe as below average. That is higher than only 8% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 183rd. Its strongest component is capital cushion (82/100; 13.21%), and its lowest is loan quality (8/100; 2.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.21%
Loan quality8/100
Loans 60+ days delinquent ÷ total loans: 2.77%
Earnings19/100
Return on assets (annualized): -0.02%
Funding & liquidity79/100
Loans ÷ shares: 81.3% · 0.0% uninsured
Problem-loan coverage72/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.90%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (42 → 49), mostly because the problem-loan coverage component improved by 35 points.

TellerScore
395366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202453
Q4 202446
Q1 202539
Q2 202542
Q3 202566
Q4 202566
Q1 202661
Q2 202649
Net worth ratio
7.00%10.11%13.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.54%
Q3 202412.93%
Q4 202412.87%
Q1 202512.02%
Q2 202512.55%
Q3 202512.81%
Q4 202512.75%
Q1 202612.52%
Q2 202613.21%
Delinquent loans (60+ days)
0.54%3.71%6.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.57%
Q3 20246.24%
Q4 20246.88%
Q1 20256.05%
Q2 20255.75%
Q3 20250.64%
Q4 20250.54%
Q1 20261.35%
Q2 20262.77%
Return on assets
-0.22%0.88%1.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.97%
Q3 20241.46%
Q4 20240.56%
Q1 2025-0.12%
Q2 20250.05%
Q3 2025-0.06%
Q4 2025-0.22%
Q1 20260.01%
Q2 2026-0.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202649$3.1M13.21%2.77%-0.02%81.3%
Q1 202661$3.3M12.52%1.35%0.01%81.0%
Q4 202566$3.3M12.75%0.54%-0.22%88.5%
Q3 202566$3.3M12.81%0.64%-0.06%91.7%
Q2 202542$3.4M12.55%5.75%0.05%84.2%
Q1 202539$3.4M12.02%6.05%-0.12%83.8%
Q4 202446$3.3M12.87%6.88%0.56%86.8%
Q3 202453$3.4M12.93%6.24%1.46%91.1%
Q2 202459$3.5M12.54%3.57%1.97%89.6%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.21%
41st
Problem loans2.77%
14th
Net charge-offs0.00%
77th
Return on assets-0.02%
18th
Loans to deposits81.3%
18th
Uninsured deposits0.0%
81st
Loan-loss reserves1.21%
85th
Texas ratio13.9%
8th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
S and J School Employees Federal Credit UnionCredit union Wintersville, OH45 out of 100, Below average$3.1M10.9%3.16%vs
Antioch Credit UnionCredit union Cleveland, OH55 out of 100, Moderate$2.7M33.6%7.55%vs
Christo Rey Federal Credit UnionCredit union Ney, OH71 out of 100, Strong$3.6M8.9%0.00%vs
M G Employees Federal Credit UnionCredit union Marysville, OH89 out of 100, Very strong$2.1M37.0%0.00%vs
McDonald Community Federal Credit UnionCredit union Mc Donald, OH79 out of 100, Strong$4.4M12.5%0.00%vs
Nueva Esperanza Community Credit UnionCredit union Toledo, OH68 out of 100, Moderate$4.5M47.8%2.79%vs

Deposit insurance

Is my money safe at U.P.S. Credit Union?

U.P.S. Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.21%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
U.P.S. Credit Union
Type
Non-federally insured state credit union
NCUA charter #
96799
RSSD ID
749792
Primary regulator
State + NCUA
Headquarters
700 W Pete Rose Way Ste 150, Cincinnati, OH 45203
Employees
2

Quick answers

U.P.S. Credit Union: common questions

Is U.P.S. Credit Union NCUA insured?

U.P.S. Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is U.P.S. Credit Union's TellerScore?

49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.