State credit union · Escanaba, Michigan · NCUA charter #62085
U.P. State
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $206.5M
- Total assets
- 14,209
- Members
- 12.6%
- Net-worth ratio
U.P. State scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $206.5M; members 14,209; net-worth ratio 12.64%; health rank #2,275 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,275 of 4,374 health · 2025Q4U.P. State · health 83/100 · $206.5M · 2025Q4
Call Report peers
U.P. State in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U.P. State vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); U.P. State sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where U.P. State diverges from peer averages
- Return on Assets leads the peer set - 1.64% here, 0.62% peer average (+1.02 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.79 pp (69.41% vs 72.20%).
Where U.P. State sits in Michigan
- In Michigan, health place is #115 of 171 on the same NCUA-ratio sort used nationally.
- Assets rank #78 of 171 inside Michigan ($206.5M reported).
- Michigan membership ordinal: #82 of 171.
- One place up in Michigan, POLISH-AMERICAN (#114) ties at 83/100; one place down, Michigan Legacy (#116) ties at 83/100.
How U.P. State's 5300 filing moved
U.P. State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $206.5M (2025Q4) to $211.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (12.56% → 12.64%).
At 12.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
U.P. State gives up 17 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.4 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.64% | +0.53 pp |
| Delinquency Rate | 0.66% | -0.23 pp |
| Return on Assets | 1.64% | +1.02 pp |
| Member Growth | -6.88% | - |
| Loan-to-Share Ratio | 69.41% | -2.79 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
U.P. State filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $211.8M | - |
| 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
Branch Locations (6)
Per its most recent NCUA branch filing, U.P. State runs 6 offices in 6 different cities.
| Office | City |
|---|---|
| Escanaba Office (Main Office) | Escanaba, MI |
| Cedarville branch | Cedarville, MI |
| Kincheloe Branch | Kincheloe, MI |
| Norway Branch | Norway, MI |
| St. Ignace branch | Saint Ignace, MI |
| Soo Spruce Street branch | Sault Sainte Marie, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Using this data
- U.P. State ranks #2,275 of 4,374 nationally on financial health and #115 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AAC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AAC
Frequently Asked Questions
Is U.P. State financially healthy?
On its 2025Q4 NCUA 5300 filing, U.P. State scores 83/100 (Excellent), with a 12.64% net worth ratio and 0.66% of loans delinquent. It ranks #2,275 of 4,374 nationally on health and #115 of 171 in Michigan.
How does U.P. State compare to other credit unions?
U.P. State scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.64% vs 0.62%). Its widest shortfall is loan-to-share ratio (69.41% vs 72.20%).
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?
U.P. State is a state-chartered credit union; its shares are federally 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 12.64% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.