Federal credit union · Lancaster, New York · NCUA charter #20547
Upstate Milk Employees
Health score 47/100 (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 - 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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)6
- Earnings (ROA)42
- Member growth0
- Liquidity (loan-to-share)62
Weighted composite: 47/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.17% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.17% | 30% |
| Delinquency Rate | 3.75% | 25% |
| Return on Assets | 0.04% | 15% |
| Member Growth | -5.01% | 15% |
| Loan-to-Share Ratio | 37.46% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Upstate Milk Employees
455 members and $2.5M in total assets sit behind Upstate Milk Employees, a federal credit union in Lancaster, New York, which posts a health score of 47/100 (Below Average) on the five-factor composite, with $834K in outstanding loans as of Q4 2025 and a net worth ratio of 10.17% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #20547 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 37.46% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 3.75% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets stands at 0.04% on net income of $984 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 -5.01%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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–$10M80Health
- URBAN UPBOUNDLONG ISLAND CIT, NY · $2M–$10M52Health
- 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
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 Upstate Milk Employees financially healthy?
A 10.17% 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. 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 10.17% 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.
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.