State credit union · Escanaba, Michigan · NCUA charter #62085
U.p. State
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $206.5M
- Total assets
- 14,209
- Members
- 7.8%
- Net-worth ratio
U.p. State - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62085, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
U.p. State - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)82
- Asset quality (delinquency)93
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)99
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.81%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.81% | 30% |
| Delinquency Rate | 0.66% | 25% |
| Return on Assets | 1.64% | 15% |
| Member Growth | -6.88% | 15% |
| Loan-to-Share Ratio | 69.41% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $206.5M | 14,209 |
| 2024Q4 | $196.9M | 15,259 |
| 2023Q4 | $134.7M | 10,900 |
Credit Union Details
- Charter Number
- 62085
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Escanaba
- Data Quarter
- 2025Q4
What This Data Says About U.p. State
14,209 members and $206.5M in total assets sit behind U.p. State, a state credit union in Escanaba, Michigan, which posts a health score of 78/100 (Very Good) on the five-factor composite, with $124.5M in outstanding loans as of Q4 2025 and a net worth ratio of 7.81% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #62085 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.66% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. The loan-to-share ratio of 69.41% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.64% on net income of $3.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.88%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is U.p. State financially healthy?
U.p. State scores 78/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.81% net worth ratio and a 0.66% delinquency rate.
How does U.p. State compare to other credit unions?
78/100 is U.p. State's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join U.p. State?
Membership eligibility for U.p. State depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact U.p. State directly for current membership requirements and application steps.
Is my money safe at U.p. State?
Federal credit unions like U.p. State are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. U.p. State's net worth ratio of 7.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does U.p. State offer compared to banks?
Credit unions like U.p. State are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact U.p. State directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.