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. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built 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
CUSignals is independent and is not affiliated with, endorsed by, or acting for Upstate Milk Employees Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.