TellerScore

Headquartered in Burlingame, California, Upward Credit Union is a federally insured state-chartered credit union with $92.7M in total assets and $79.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1956.

Upward Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 131st. Funding & liquidity contributes the most (98/100, 63% loans-to-deposits, 1% uninsured); earnings contributes the least (49/100, 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.44%
Loan quality62/100
Loans 60+ days delinquent ÷ total loans: 1.15%
Earnings49/100
Return on assets (annualized): 0.71%
Funding & liquidity98/100
Loans ÷ shares: 62.7% · 1.4% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.41%

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 4 points (72 → 68), mostly because the loan quality component weakened by 25 points.

TellerScore
476277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202447
Q3 202460
Q4 202471
Q1 202573
Q2 202572
Q3 202564
Q4 202576
Q1 202677
Q2 202668
Net worth ratio
7.00%9.22%11.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.42%
Q3 20249.86%
Q4 202410.19%
Q1 202510.50%
Q2 202510.85%
Q3 202510.53%
Q4 202510.96%
Q1 202611.08%
Q2 202611.44%
Delinquent loans (60+ days)
0.07%1.16%2.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.26%
Q3 20241.20%
Q4 20240.14%
Q1 20250.19%
Q2 20250.40%
Q3 20251.34%
Q4 20250.18%
Q1 20260.07%
Q2 20261.15%
Return on assets
0.16%0.47%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.29%
Q4 20240.41%
Q1 20250.49%
Q2 20250.55%
Q3 20250.74%
Q4 20250.79%
Q1 20260.68%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$92.7M11.44%1.15%0.71%62.7%
Q1 202677$93.7M11.08%0.07%0.68%61.9%
Q4 202576$93.7M10.96%0.18%0.79%62.7%
Q3 202564$95.5M10.53%1.34%0.74%60.6%
Q2 202572$90.1M10.85%0.40%0.55%61.5%
Q1 202573$91.9M10.50%0.19%0.49%59.6%
Q4 202471$94.0M10.19%0.14%0.41%57.8%
Q3 202460$95.3M9.86%1.20%0.29%57.5%
Q2 202447$98.4M9.42%2.26%0.16%55.4%

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 ratio11.44%
27th
Problem loans1.15%
35th
Net charge-offs0.15%
52nd
Return on assets0.71%
54th
Loans to deposits62.7%
44th
Uninsured deposits1.4%
50th
Loan-loss reserves0.00%
37th
Texas ratio5.4%
27th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
McKesson & Healthcare Providers Federal Credit UnionCredit union Martinez, CA65 out of 100, Moderate$92.8M13.4%1.47%vs
Vision One Credit UnionCredit union Sacramento, CA78 out of 100, Strong$92.0M16.1%0.21%vs
County Schools Federal Credit UnionCredit union Ventura, CA34 out of 100, Low$91.0M8.5%3.52%vs
Union Yes Federal Credit UnionCredit union Orange, CA74 out of 100, Strong$89.0M8.6%0.00%vs
Desert Valleys Federal Credit UnionCredit union Ridgecrest, CA67 out of 100, Moderate$88.8M9.4%0.73%vs
VA Desert Pacific Federal Credit UnionCredit union Long Beach, CA86 out of 100, Very strong$98.8M21.1%0.07%vs

Deposit insurance

Is my money safe at Upward Credit Union?

Yes. Upward Credit Union is a federally insured credit union (NCUA charter #65323). 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 1.4% of shares and deposits ($1.1M) 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 11.44%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Upward Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Upward Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65323
RSSD ID
614395
Primary regulator
State + NCUA
Established
1956
Headquarters
1860 El Camino Real Ste 100, Burlingame, CA 94010
Employees
13

Quick answers

Upward Credit Union: common questions

Is Upward Credit Union NCUA insured?

Yes. Upward Credit Union is a federally insured credit union (NCUA charter #65323). 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 Upward Credit Union's TellerScore?

68 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 Upward Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Burlingame

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Community Federal Credit UnionCredit union San Francisco, CA100 out of 100, Very strong$15.2M32.6%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA87 out of 100, Very strong$31.8M18.4%0.00%vs
San Francisco Federal Credit UnionCredit union San Francisco, CA86 out of 100, Very strong$1.6B13.6%0.15%vs
San Francisco Lee Federal Credit UnionCredit union San Francisco, CA85 out of 100, Very strong$10.7M53.3%0.00%vs
Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA83 out of 100, Strong$377.9M20.2%0.01%vs