TellerScore

U.P. State Credit Union is a federally insured state-chartered credit union headquartered in Escanaba, Michigan, in business for about 71 years. At the end of Q2 2026 it reported $210.3M in total assets and $181.5M in member shares and deposits, with 6 offices.

U.P. State Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 76% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 48th. Problem-loan coverage contributes the most (89/100, 5.5%); loan quality contributes the least (63/100, 1.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.17%
Loan quality63/100
Loans 60+ days delinquent ÷ total loans: 1.10%
Earnings86/100
Return on assets (annualized): 1.66%
Funding & liquidity84/100
Loans ÷ shares: 76.2% · 0.6% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.50%

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 3 points (76 → 79), mostly because the earnings component improved by 37 points.

TellerScore
768084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202481
Q4 202482
Q1 202584
Q2 202576
Q3 202580
Q4 202580
Q1 202683
Q2 202679
Net worth ratio
7.00%10.09%13.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.87%
Q3 202411.30%
Q4 202411.78%
Q1 202511.97%
Q2 202511.94%
Q3 202512.30%
Q4 202512.56%
Q1 202612.64%
Q2 202613.17%
Delinquent loans (60+ days)
0.38%0.74%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.50%
Q3 20240.53%
Q4 20240.57%
Q1 20250.40%
Q2 20250.38%
Q3 20250.46%
Q4 20250.66%
Q1 20260.54%
Q2 20261.10%
Return on assets
0.72%1.24%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.63%
Q3 20241.75%
Q4 20241.72%
Q1 20251.59%
Q2 20250.72%
Q3 20251.12%
Q4 20251.34%
Q1 20261.55%
Q2 20261.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$210.3M13.17%1.10%1.66%76.2%
Q1 202683$211.8M12.64%0.54%1.55%69.8%
Q4 202580$206.5M12.56%0.66%1.34%69.4%
Q3 202580$202.4M12.30%0.46%1.12%67.8%
Q2 202576$200.3M11.94%0.38%0.72%65.3%
Q1 202584$200.3M11.97%0.40%1.59%62.7%
Q4 202482$196.9M11.78%0.57%1.72%63.8%
Q3 202481$198.4M11.30%0.53%1.75%63.7%
Q2 202479$197.0M10.87%0.50%1.63%64.2%

1,341 peers · $100 million – $1 billion

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 ratio13.17%
71st
Problem loans1.10%
26th
Net charge-offs0.12%
83rd
Return on assets1.66%
92nd
Loans to deposits76.2%
49th
Uninsured deposits0.6%
96th
Loan-loss reserves0.00%
50th
Texas ratio5.5%
35th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
Trunorth Federal Credit UnionCredit union Ishpeming, MI74 out of 100, Strong$203.5M10.2%0.31%vs
Parda Federal Credit UnionCredit union Auburn Hills, MI75 out of 100, Strong$217.4M13.7%0.75%vs
Awakon Federal Credit UnionCredit union Onaway, MI71 out of 100, Strong$202.7M13.5%1.86%vs
Service 1 Federal Credit UnionCredit union Muskegon, MI89 out of 100, Very strong$198.5M18.6%0.42%vs
Isabella Community Credit UnionCredit union MT Pleasant, MI69 out of 100, Moderate$222.2M10.1%1.14%vs

Deposit insurance

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

Yes. U.P. State Credit Union is a federally insured credit union (NCUA charter #62085). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.6% of shares and deposits ($1.0M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.17%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

U.P. State Credit Union lists 6 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
U.P. State Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62085
RSSD ID
765792
Primary regulator
State + NCUA
Established
1955
Headquarters
123 S Lincoln Road, Escanaba, MI 49829
Employees
54

Quick answers

U.P. State Credit Union: common questions

Is U.P. State Credit Union NCUA insured?

Yes. U.P. State Credit Union is a federally insured credit union (NCUA charter #62085). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

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

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

How many branches does U.P. State Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Escanaba

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank, Upper MichiganBank Gladstone, MI81 out of 100, Strong$629.5M12.7%0.63%vs
Upper Peninsula State BankBank Escanaba, MI72 out of 100, Strong$371.7M13.4%1.09%vs
Great Lakes First Federal Credit UnionCredit union Escanaba, MI66 out of 100, Moderate$105.4M10.3%1.15%vs
Northern Interstate Bank, N. A.Bank Norway, MI65 out of 100, Moderate$193.5M9.4%0.75%vs
Nicolet National BankBank Green Bay, WI64 out of 100, Moderate$15.4B9.6%0.63%vs
Peninsula Federal Credit UnionCredit union Escanaba, MI58 out of 100, Moderate$355.7M9.0%0.94%vs