A
U.P. State Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings U.P. State Credit Union
Escanaba, MI
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Rating A
Asset Quality Index 9.80
Capitalization Index 10.00
Liquidity Index 5.20
Profitability Index 10.00
Stability Index 7.60
Company Info U.P. State Credit Union
Escanaba, MI
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NCUA Charter Number 4660
Phone Number (906) 786-1146
Website www.upscu.com
Asset Quality U.P. State Credit Union
Escanaba, MI
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1-Year Asset Growth 1.52%
5-Year Asset Growth 19.69%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.19%
Non-Performing Assets to Assets 0.22%
Non-Performing Loans to Capital 1.81%
Non-Performing Loans to Loans 0.40%
Balance Sheet U.P. State Credit Union
Escanaba, MI
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Total Assets 200.34M
Total Deposits 174.95M
Capital and Reserves U.P. State Credit Union
Escanaba, MI
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Capital 23.98M
Leverage Ratio 11.97
Loan Loss Reserves to Loans 0.22%
Liquidity U.P. State Credit Union
Escanaba, MI
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Hot Money Ratio 1.79%
Liquidity Ratio 25.55%
Profitability U.P. State Credit Union
Escanaba, MI
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5-Year Return on Average Assets 0.98%
Net Income 795.00K
Net Interest Spread 5.28%
Operating Profit to Average Assets 1.59%
Overhead Efficiency Ratio 70.54%
Return on Assets 1.60%
Return on Equity 13.48%