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
- CHARTER 85/100
- NCUSIF 11.1%
- CAMELS 0.18%
- HEALTH 0.41%
- NW $93.7M
- DELQ 4,293
- ROA #1,992/4,374
- ASSETS GARDINER
- MEM 65323
Call Report peers
UPWARD in the assets neighbourhood
UPWARD's $93.7M assets sit next to GARDINER ($93.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65323. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
UPWARD: 2025Q4 → 2026Q1
UPWARD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.0% from $93.7M (2025Q4) to $93.7M (2026Q1).
- Net-worth ratio shifted +0.12 pp (10.96% → 11.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for UPWARD - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($93.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 UPWARD financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, UPWARD carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,992 of 4,374; by total assets it ranks #1,880 of 4,374 nationally (same basis as /rankings/largest); and #154 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.08% net worth ratio and a 0.18% delinquency rate.
How does UPWARD compare to other credit unions?
On PlainCU's health composite, UPWARD lands at 85/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like UPWARD 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. UPWARD's net worth ratio of 11.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does UPWARD offer compared to banks?
Credit unions like UPWARD 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 UPWARD 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.