Headquartered in Anderson, South Carolina, Upstate Federal Credit Union is a federal credit union with $148.5M in total assets and $133.8M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1965.
Based on its Q2 2026 filing, Upstate Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 31% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in South Carolina, it ranks 36th. Its strongest component is problem-loan coverage (95/100; 2.3%), and its lowest is earnings (23/100; 0.08%).
TellerScore · Q2 2026
Scorecard
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 6 points (70 → 64), mostly because the earnings component weakened by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 71 |
| Q2 2025 | 70 |
| Q3 2025 | 71 |
| Q4 2025 | 68 |
| Q1 2026 | 60 |
| Q2 2026 | 64 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.31% |
| Q3 2024 | 9.32% |
| Q4 2024 | 9.55% |
| Q1 2025 | 9.98% |
| Q2 2025 | 10.13% |
| Q3 2025 | 10.23% |
| Q4 2025 | 10.20% |
| Q1 2026 | 9.70% |
| Q2 2026 | 9.77% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.32% |
| Q2 2025 | 0.29% |
| Q3 2025 | 0.24% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.26% |
| Q2 2026 | 0.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.84% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.92% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.60% |
| Q1 2026 | -0.97% |
| Q2 2026 | 0.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $148.5M | 9.77% | 0.26% | 0.08% | 73.3% |
| Q1 2026 | 60 | $148.1M | 9.70% | 0.26% | -0.97% | 72.1% |
| Q4 2025 | 68 | $139.4M | 10.20% | 0.46% | 0.60% | 76.3% |
| Q3 2025 | 71 | $137.7M | 10.23% | 0.24% | 0.78% | 77.9% |
| Q2 2025 | 70 | $135.2M | 10.13% | 0.29% | 0.81% | 78.7% |
| Q1 2025 | 71 | $134.8M | 9.98% | 0.32% | 0.92% | 77.4% |
| Q4 2024 | 69 | $137.7M | 9.55% | 0.28% | 0.84% | 79.6% |
| Q3 2024 | 68 | $144.2M | 9.32% | 0.22% | 0.82% | 82.3% |
| Q2 2024 | 68 | $138.4M | 9.31% | 0.22% | 0.84% | 84.8% |
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).
Similar-size credit unions in South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Caro Federal Credit UnionCredit union Columbia, SC | 77 out of 100, Strong | $174.9M | 15.4% | 0.88% | vs |
| Greenville Heritage Federal Credit UnionCredit union Greenville, SC | 80 out of 100, Strong | $181.2M | 12.5% | 0.34% | vs |
| Mid Carolina Credit UnionCredit union Lugoff, SC | 77 out of 100, Strong | $181.8M | 12.7% | 0.66% | vs |
| Georgetown Kraft Credit UnionCredit union Georgetown, SC | 87 out of 100, Very strong | $191.9M | 18.7% | 0.95% | vs |
| Carolina Foothills Federal Credit UnionCredit union Spartanburg, SC | 70 out of 100, Strong | $224.3M | 12.0% | 1.30% | vs |
| Spc Credit UnionCredit union Hartsville, SC | 66 out of 100, Moderate | $265.8M | 11.4% | 1.13% | vs |
Deposit insurance
Is my money safe at Upstate Federal Credit Union?
Yes. Upstate Federal Credit Union is a federally insured credit union (NCUA charter #24484). 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 1.9% of shares and deposits ($2.6M) 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 9.77%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Upstate Federal Credit Union lists 4 offices in 3 cities. Most locations:
- Anderson, SC (2)
- Honea Path, SC (1)
- Pendleton, SC (1)
Identity & history
Profile
- Legal name
- Upstate Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24484
- RSSD ID
- 438395
- Primary regulator
- NCUA
- Established
- 1965
- Headquarters
- 123 Broadbent Way, Anderson, SC 29625
- Employees
- 67
Quick answers
Upstate Federal Credit Union: common questions
Is Upstate Federal Credit Union NCUA insured?
Yes. Upstate Federal Credit Union is a federally insured credit union (NCUA charter #24484). 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 Upstate Federal Credit Union's TellerScore?
64 out of 100 (Moderate), 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 Upstate Federal Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Anderson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Georgia BankBank Lavonia, GA | 93 out of 100, Very strong | $650.6M | 13.4% | 0.01% | vs |
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| The Peoples BankBank Iva, SC | 89 out of 100, Very strong | $446.7M | 12.9% | 0.00% | vs |
| Anmed Federal Credit UnionCredit union Anderson, SC | 86 out of 100, Very strong | $16.5M | 14.3% | 0.08% | vs |
| The Wright Credit UnionCredit union Toccoa, GA | 84 out of 100, Strong | $16.2M | 17.3% | 0.29% | vs |
| Greenville Heritage Federal Credit UnionCredit union Greenville, SC | 80 out of 100, Strong | $181.2M | 12.5% | 0.34% | vs |