Federal credit union · Lancaster, New York · NCUA charter #20547
Upstate Milk Employees
Health score 47/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 47
- Health / 100
- $2.5M
- Total assets
- 455
- Members
- 10.2%
- Net-worth ratio
Upstate Milk Employees scores 47/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.5M; members 455; net-worth ratio 10.18%; health rank #4,297 of 4,374; healthier than 2nd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,297 of 4,374 health · 2025Q4Upstate Milk Employees · health 47/100 · $2.5M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Upstate Milk Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Upstate Milk Employees sits in 45-49 with 39 others.
47 2nd percentile higher than 2% 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
Upstate Milk Employees: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 37.46% vs peer 63.60% (-26.14 pp).
Where Upstate Milk Employees sits in New York
- In New York, health place is #266 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #242 of 272 inside New York ($2.5M reported).
- New York membership ordinal: #240 of 272.
- One place up in New York, Neighborhood Trust (#265) scores 49/100, 2 points higher; one place down, Far Rockaway Postal (#267) scores 43/100, 4 points lower.
Upstate Milk Employees: 2025Q4 → 2026Q1
Upstate Milk Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $2.5M (2025Q4) to $2.5M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.17% → 10.18%).
10.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 47/100 score is built
Upstate Milk Employees gives up 53 points in total. Delinquency Rate costs the most, 23.4 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 1.6 pts
- Return on Assets 6.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.1 pts
Call Report ratios for Upstate Milk Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.18% | -8.88 pp |
| Delinquency Rate | 3.75% | +1.94 pp |
| Return on Assets | 0.04% | -0.41 pp |
| Member Growth | -5.01% | - |
| Loan-to-Share Ratio | 37.46% | -26.14 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Upstate Milk Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.5M | - |
| 2025Q4 | $2.5M | 455 |
| 2024Q4 | $2.4M | 479 |
| 2023Q4 | $2.4M | 482 |
Credit Union Details
- Charter Number
- 20547
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New York
- City
- Lancaster
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Upstate Milk Employees runs one office.
| Office | City |
|---|---|
| Upstate Milk Employess FCU (Main Office) | Lancaster, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
- MEDICAL EMPLOYEES OF STATEN ISLANDSTATEN ISLAND, NY · $2M–$10M81Health
- URBAN UPBOUNDLONG ISLAND CIT, NY · $2M–$10M54Health
- I R E BBrooklyn, NY · $2M–$10M56Health
- LONG BEACH TEACHERSLong Beach, NY · $2M–$10M81Health
- NIAGARA FRONTIER FEDERAL MUNICIPALNIAGARA FALLS, NY · $2M–$10M69Health
Compare Upstate Milk Employees vs MEDICAL EMPLOYEES OF STATEN ISLAND
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Upstate Milk Employees ranks #4,297 of 4,374 nationally on financial health and #266 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Medical Employees of Staten Island is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Medical Employees of Staten Island
Frequently Asked Questions
Is Upstate Milk Employees financially healthy?
Upstate Milk Employees has a financial health score of 47/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,297 of 4,374 nationally on health and #266 of 272 in New York. Its net worth ratio is 10.18% and its delinquency rate 3.75%.
How does Upstate Milk Employees compare to other credit unions?
Upstate Milk Employees scores 47/100, higher than 2% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (37.46% vs 63.60%).
How can I join Upstate Milk Employees?
Upstate Milk Employees 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 Milk Employees directly for the exact boundaries and application steps.
Is my money safe at Upstate Milk Employees?
Upstate Milk Employees 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 Milk Employees's net worth ratio of 10.18% 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.