Escanaba, Michigan · Peer group 5
U.P. State Credit Union
U.P. State Credit Union holds $211.8M in assets across 14,213 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1955. Charter number 62085, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $211.8M |
|---|---|
| Total loans | $128.2M |
| Total shares (deposits) | $183.5M |
| Net worth | $26.8M |
| Members | 14,213 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 5.7% | |
|---|---|---|
| Loans | 16.9% | higher than 96% of its peer group |
| Deposits | 4.9% | around the 63rd percentile of its peer group |
| Members | -6.6% | lower than 93% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 69.8% | around the 46th percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.6% | around the 65th percentile of its peer group |
| Return on assets | 1.55% | higher than 90% of its peer group |
| Delinquency ratio | 0.54% | around the 44th percentile of its peer group |
| Cash / assets | 10.0% | around the 48th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is U.P. State Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Aac Credit Union
Grand Rapids, MI
$211.2M · 14,809 members
- Parda Credit Union
Auburn Hills, MI
$216.8M · 14,763 members
- Trunorth Credit Union
Ishpeming, MI
$203.4M · 15,474 members
- Awakon Credit Union
ONAWAY, MI
$201.9M · 14,830 members
- Isabella Community Credit Union
MT Pleasant, MI
$222.6M · 13,540 members
- Michigan Legacy Credit Union
Wyandotte, MI
$223.6M · 18,249 members
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