Lancaster, New York · Peer group 2
Upstate Milk Employees Credit Union
Upstate Milk Employees Credit Union holds $2.5M in assets across 442 members as of Q1 2026 — about $6K of assets per member, on a charter dating to 1971. Charter number 20547, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $2.5M |
|---|---|
| Total loans | $879K |
| Total shares (deposits) | $2.2M |
| Net worth | $255K |
| Members | 442 |
| Assets per member | $6K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.2% | |
|---|---|---|
| Loans | -6.0% | around the 47th percentile of its peer group |
| Deposits | -0.7% | around the 56th percentile of its peer group |
| Members | -6.0% | around the 15th percentile 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 | 39.2% | around the 23rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.2% | around the 14th percentile of its peer group |
| Return on assets | 0.34% | around the 46th percentile of its peer group |
| Delinquency ratio | 3.73% | around the 87th percentile of its peer group |
| Cash / assets | 14.9% | around the 49th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Upstate Milk Employees 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 New York — the comparison set a peer ratio is measured against.
- Medical Employees of Staten Island Credit Union
STATEN ISLAND, NY
$2.5M · 759 members
- I R E B Credit Union
Brooklyn, NY
$2.6M · 234 members
- Urban Upbound Credit Union
LONG ISLAND CIT, NY
$2.3M · 1,418 members
- Long Beach Teachers Credit Union
Long Beach, NY
$2.8M · 358 members
- Great Neck School Employees Credit Union
Great Neck, NY
$3.0M · 338 members
- Latvian Credit Union
MELVILLE, NY
$2.0M · 86 members
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