Federal credit union · Anderson, South Carolina · NCUA charter #24484
UPSTATE
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $139.4M
- Total assets
- 17,300
- Members
- 9.7%
- Net-worth ratio
UPSTATE scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $139.4M; members 17,300; net-worth ratio 9.70%; health rank #73 of 4,374; healthier than 98th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#73 of 4,374 health · 2025Q4UPSTATE · health 99/100 · $139.4M · 2025Q4
Call Report peers
UPSTATE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
UPSTATE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); UPSTATE sits in 95-99 with 391 others.
99 Top 2% higher than 98% 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
Peer-gap read for UPSTATE
- Largest favorable gap: Loan-to-Share Ratio at 76.27% vs peer 72.20% (+4.07 pp).
- Net Worth Ratio trails the peer set - 9.70% here, 12.11% peer average (-2.41 pp).
UPSTATE: in-state Call Report ranks
- Health composite ranks #1 of 46 among scored South Carolina credit unions.
- South Carolina assets place: #21 of 46.
- South Carolina membership ordinal: #18 of 46.
- No South Carolina credit union scores higher; the runner-up, Nucor Employee's (#2) scores 97/100, 2 points lower.
UPSTATE Call Report trajectory
UPSTATE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.3% from $139.4M (2025Q4) to $148.1M (2026Q1).
- Net-worth ratio shifted -0.50 pp (10.20% → 9.70%).
9.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 99/100 score is built
UPSTATE gives up 1 points in total. Net Worth Ratio costs the most, 0.8 of its 30; Delinquency Rate and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
UPSTATE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.70% | -2.41 pp |
| Delinquency Rate | 0.46% | -0.43 pp |
| Return on Assets | 0.83% | +0.20 pp |
| Member Growth | 5.99% | - |
| Loan-to-Share Ratio | 76.27% | +4.07 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
UPSTATE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $148.1M | - |
| 2025Q4 | $139.4M | 17,300 |
| 2024Q4 | $137.7M | 16,322 |
| 2023Q4 | $132.9M | 15,917 |
Credit Union Details
- Charter Number
- 24484
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- South Carolina
- City
- Anderson
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, UPSTATE runs 8 offices in 5 different cities.
| Office | City |
|---|---|
| Administration Center (Main Office) | Anderson, SC |
| Whitehall / McGee Road Branch | Anderson, SC |
| Michelin US 8 | Anderson, SC |
| Michelin US 10 | Anderson, SC |
| Honea Path Branch | Honea Path, SC |
| Pendleton Branch | Pendleton, SC |
| South Anderson Branch Office | Starr, SC |
| Williamston Office | Williamston, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
More federally-insured credit unions based in South Carolina, ordered by peer group match and asset size.
Other-state peers near UPSTATE
Using this data
- UPSTATE ranks #73 of 4,374 nationally on financial health and #1 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CARO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CARO
Frequently Asked Questions
Is UPSTATE financially healthy?
UPSTATE has a financial health score of 99/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #73 of 4,374 nationally on health and #1 of 46 in South Carolina. Its net worth ratio is 9.70% and its delinquency rate 0.46%.
How does UPSTATE compare to other credit unions?
UPSTATE scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (76.27% vs 72.20%). Its widest shortfall is net worth ratio (9.70% vs 12.11%).
How can I join UPSTATE?
UPSTATE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact UPSTATE directly for the exact boundaries and application steps.
Is my money safe at UPSTATE?
UPSTATE is a federal 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. UPSTATE's net worth ratio of 9.70% 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.