Gloversville, New York · Peer group 2
Upstate Telco Credit Union
Upstate Telco Credit Union holds $4.3M in assets across 518 members as of Q1 2026 — about $8K of assets per member, on a charter dating to 1956. Charter number 10746, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $4.3M |
|---|---|
| Total loans | $1.1M |
| Total shares (deposits) | $3.5M |
| Net worth | $697K |
| Members | 518 |
| Assets per member | $8K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | — |
|---|---|
| Loans | — |
| Deposits | — |
| Members | — |
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 | 29.9% | around the 12th percentile of its peer group |
|---|---|---|
| Net worth ratio | 16.3% | around the 47th percentile of its peer group |
| Return on assets | 0.93% | around the 72nd percentile of its peer group |
| Delinquency ratio | 0.17% | around the 29th percentile of its peer group |
| Cash / assets | 23.4% | around the 73rd 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 Telco 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.
- Coxsackie Correctional Emp. Credit Union
Coxsackie, NY
$4.4M · 530 members
- New Covenant Dominion Credit Union
Bronx, NY
$4.8M · 686 members
- Empirt 207 Credit Union
new york, NY
$3.7M · 828 members
- Troy Credit Union
TROY, NY
$3.7M · 529 members
- Tri-County Credit Union
Delevan, NY
$5.0M · 712 members
- Co-Operative Credit Union
WOODRIDGE, NY
$3.5M · 402 members
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