TellerScore

Up Federal Credit Union is a federal credit union headquartered in North Little Ro, Arkansas, in business for about 55 years. At the end of Q2 2026 it reported $32.2M in total assets and $24.8M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Up Federal Credit Union scores 79/100, which we describe as strong. That is higher than 62% of 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 19th. Its strongest component is capital cushion (100/100; 22.44%), and its lowest is earnings (33/100; 0.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.44%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings33/100
Return on assets (annualized): 0.32%
Funding & liquidity100/100
Loans ÷ shares: 56.6% · 1.1% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.02%

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 fell 13 points (92 → 79), mostly because the earnings component weakened by 67 points.

TellerScore
798896Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202495
Q4 202496
Q1 202595
Q2 202592
Q3 202594
Q4 202595
Q1 202680
Q2 202679
Net worth ratio
7.00%14.72%22.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.06%
Q3 202418.90%
Q4 202419.13%
Q1 202519.57%
Q2 202520.30%
Q3 202521.78%
Q4 202521.79%
Q1 202622.02%
Q2 202622.44%
Delinquent loans (60+ days)
0.38%0.67%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.44%
Q4 20240.38%
Q1 20250.54%
Q2 20250.86%
Q3 20250.63%
Q4 20250.56%
Q1 20260.95%
Q2 20260.89%
Return on assets
0.32%2.07%3.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.97%
Q3 20242.53%
Q4 20242.32%
Q1 20253.82%
Q2 20253.59%
Q3 20253.74%
Q4 20252.87%
Q1 20260.58%
Q2 20260.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$32.2M22.44%0.89%0.32%56.6%
Q1 202680$32.8M22.02%0.95%0.58%56.9%
Q4 202595$32.9M21.79%0.56%2.87%58.0%
Q3 202594$32.9M21.78%0.63%3.74%59.1%
Q2 202592$33.7M20.30%0.86%3.59%58.2%
Q1 202595$33.5M19.57%0.54%3.82%60.3%
Q4 202496$32.6M19.13%0.38%2.32%62.0%
Q3 202495$32.3M18.90%0.44%2.53%64.4%
Q2 202494$31.2M19.06%0.60%2.97%67.4%

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 ratio22.44%
84th
Problem loans0.89%
43rd
Net charge-offs0.34%
36th
Return on assets0.32%
33rd
Loans to deposits56.6%
53rd
Uninsured deposits1.1%
53rd
Loan-loss reserves0.00%
37th
Texas ratio2.0%
52nd

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Subiaco Federal Credit UnionCredit union Subiaco, AR84 out of 100, Strong$27.1M16.1%0.62%vs
Patterson Federal Credit UnionCredit union Arkadelphia, AR96 out of 100, Very strong$38.0M17.5%0.08%vs
Dillard'S Federal Credit UnionCredit union Little Rock, AR88 out of 100, Very strong$24.8M13.1%0.06%vs
Northwest Arkansas Federal Credit UnionCredit union Fayetteville, AR66 out of 100, Moderate$19.8M9.6%0.91%vs
Baptist Health Federal Credit UnionCredit union Little Rock, AR65 out of 100, Moderate$45.4M23.6%1.84%vs
Electric CooperativesCredit union Little Rock, AR94 out of 100, Very strong$18.6M15.2%0.08%vs

Deposit insurance

Is my money safe at Up Federal Credit Union?

Yes. Up Federal Credit Union is a federally insured credit union (NCUA charter #24422). 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 1.1% of shares and deposits ($285K) 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 22.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Up Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Up Federal Credit Union
Type
Federal credit union
NCUA charter #
24422
RSSD ID
463593
Primary regulator
NCUA
Established
1971
Headquarters
PO Box 736, North Little Ro, AR 72115
Employees
8

Quick answers

Up Federal Credit Union: common questions

Is Up Federal Credit Union NCUA insured?

Yes. Up Federal Credit Union is a federally insured credit union (NCUA charter #24422). 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 Up Federal 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 Up Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near North Little Ro

InstitutionScoreAssetsCapitalProblem loansCompare
Electric CooperativesCredit union Little Rock, AR94 out of 100, Very strong$18.6M15.2%0.08%vs
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Arkansas Health Center Federal Credit UnionCredit union Benton, AR91 out of 100, Very strong$9.8M16.9%0.38%vs
Producers Bank & TrustBank Mcgehee, AR90 out of 100, Very strong$213.2M22.1%0.00%vs
Peoples BankBank Sheridan, AR90 out of 100, Very strong$313.8M13.3%0.03%vs
Telcoe Federal Credit UnionCredit union Little Rock, AR89 out of 100, Very strong$503.4M20.2%0.12%vs