State credit union · Burlingame, California · NCUA charter #65323
UPWARD
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $93.7M
- Total assets
- 4,293
- Members
- 11.1%
- Net-worth ratio
UPWARD scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $93.7M; members 4,293; net-worth ratio 11.08%; health rank #1,992 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,992 of 4,374 health · 2025Q4UPWARD · health 85/100 · $93.7M · 2025Q4
Call Report peers
UPWARD in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
UPWARD vs every NCUA-scored credit union
UPWARD sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
UPWARD vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.78 pp (0.18% vs 0.96%).
- Widest shortfall vs peers is Net Worth Ratio: -2.54 pp (11.08% vs 13.62%).
UPWARD: in-state Call Report ranks
- California health ordinal: #119 of 243.
- California assets place: #154 of 243.
- Member book place in California: #165 of 243.
- One place up in California, Rolling F (#118) ties at 85/100; one place down, Ventura County (#120) ties at 85/100.
UPWARD: 2025Q4 → 2026Q1
UPWARD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $93.7M (2025Q4) to $93.7M (2026Q1).
- Net-worth ratio shifted +0.12 pp (10.96% → 11.08%).
At 11.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
UPWARD gives up 15 points in total. Member Growth costs the most, 11.8 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.6 pts
- Member Growth 3.2 pts
- Loan-to-Share Ratio 13.2 pts
UPWARD health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.08% | -2.54 pp |
| Delinquency Rate | 0.18% | -0.78 pp |
| Return on Assets | 0.41% | -0.25 pp |
| Member Growth | -3.20% | - |
| Loan-to-Share Ratio | 62.65% | +0.05 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
UPWARD filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $93.7M | - |
| 2025Q4 | $93.7M | 4,293 |
| 2024Q4 | $94.0M | 4,435 |
| 2023Q4 | $94.2M | 4,619 |
Credit Union Details
- Charter Number
- 65323
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- California
- City
- Burlingame
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, UPWARD runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Burlingame, CA |
| San Francisco Federal Credit Union | Redwood City, CA |
| Sequoia Hosipital Branch | Redwood City, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
UPWARD nationwide neighbourhoods
Using this data
- UPWARD ranks #1,992 of 4,374 nationally on financial health and #119 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- County Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with County Schools
Frequently Asked Questions
Is UPWARD financially healthy?
UPWARD has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,992 of 4,374 nationally on health and #119 of 243 in California. Its net worth ratio is 11.08% and its delinquency rate 0.18%.
How does UPWARD compare to other credit unions?
UPWARD scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.18% vs 0.96%). Its widest shortfall is net worth ratio (11.08% vs 13.62%).
How can I join UPWARD?
Membership eligibility for UPWARD depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact UPWARD directly for current membership requirements and application steps.
Is my money safe at UPWARD?
UPWARD 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. UPWARD's net worth ratio of 11.08% 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.