Upstate Telco Federal Credit Union

Gloversville, NY

Rating Date

July 2025

Net Capital
Ratio

Leverage
Ratio

Return On
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Total
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Capital

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Weiss Ratings	Upstate Telco Federal Credit Union Gloversville, NY	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	9.30
Capitalization Index	10.00
Liquidity Index	7.40
Profitability Index	5.70
Stability Index	4.30

Company Info	Upstate Telco Federal Credit Union Gloversville, NY	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	2162
Phone Number	(518) 773-6548
Website	www.upstatetelcofcu.org

Asset Quality	Upstate Telco Federal Credit Union Gloversville, NY	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-12.01%
5-Year Asset Growth	-2.86%
5-Year Charge-Offs to Average Loans	1.74%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.00%
Non-Performing Loans to Capital	0.00%
Non-Performing Loans to Loans	0.00%

Balance Sheet	Upstate Telco Federal Credit Union Gloversville, NY	Click to Compare	Click to Compare	Click to Compare
Total Assets	4.30M
Total Deposits	3.60M

Capital and Reserves	Upstate Telco Federal Credit Union Gloversville, NY	Click to Compare	Click to Compare	Click to Compare
Capital	667.00K
Leverage Ratio	15.52
Loan Loss Reserves to Loans	3.14%

Liquidity	Upstate Telco Federal Credit Union Gloversville, NY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	0.00%
Liquidity Ratio	44.73%

Profitability	Upstate Telco Federal Credit Union Gloversville, NY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	-0.65%
Net Income	43.00K
Net Interest Spread	6.34%
Operating Profit to Average Assets	4.03%
Overhead Efficiency Ratio	85.19%
Return on Assets	4.03%
Return on Equity	26.67%