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
- CHARTER 47/100
- NCUSIF 10.2%
- CAMELS 3.75%
- HEALTH 0.04%
- NW $2.5M
- DELQ 455
- ROA #4,297/4,374
- ASSETS n/a
- MEM 20547
Call Report peers
Upstate Milk Employees carries $2.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #20547: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Upstate Milk Employees: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 37.46% vs peer 63.60% (-26.14 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Upstate Milk Employees: 2025Q4 → 2026Q1
Upstate Milk Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $2.5M (2025Q4) to $2.5M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.17% → 10.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 47.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Upstate Milk Employees, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (47/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Upstate Milk Employees financially healthy?
A 10.18% net worth ratio and a 3.75% delinquency rate feed into Upstate Milk Employees's financial health score of 47/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,297 of 4,374; by total assets it ranks #4,092 of 4,374 nationally (same basis as /rankings/largest); and #242 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Upstate Milk Employees compare to other credit unions?
PlainCU's health composite puts Upstate Milk Employees at 47/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Upstate Milk Employees 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. Upstate Milk Employees's net worth ratio of 10.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Upstate Milk Employees offer compared to banks?
Credit unions like Upstate Milk Employees 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 Upstate Milk Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.