credit union · NCUA 10746 · NY
How big is UPSTATE TELCO?
UPSTATE TELCO (NY, NCUA charter 10746) reported total assets of $4.3M, 510 members and a net worth ratio of 16.06% in its Call Report for 2026Q2. That ranks 3890 of 4,299 federally insured credit unions by assets, 362 of 771 among credit unions under $10m in assets, 230 of 268 credit unions in new york.
What stands out
UPSTATE TELCO (NY, NCUA charter 10746) reported total assets of $4.3M, 510 members and a net worth ratio of 16.06% in its Call Report for 2026Q2. That ranks 3890 of 4,299 federally insured credit unions by assets, 362 of 771 among credit unions under $10m in assets, 230 of 268 credit unions in new york. Against its size class: net worth ratio 16.06%, below the peer median of 17.92%; loan-to-share ratio 29.77%, below the peer median of 58.16%; return on assets 0.26%, below the peer median of 0.45%. At 16.06% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $4.3M | $4.0M | $46.8M | $68.3M | record → |
| Shares and deposits | $3.6M | $3.1M | $40.0M | $58.3M | record → |
| Loans outstanding | $1.1M | $1.7M | $21.7M | $34.4M | record → |
| Net income (year to date) | $5.6k | $5.3k | $175.9k | $222.2k | record → |
| Net worth | $693.0k | $672.6k | $6.2M | $9.0M | record → |
| Net worth ratio | 16.06% | 17.92% | 12.10% | 12.65% | record → |
| Loan-to-share ratio | 29.77% | 58.16% | 60.91% | 68.70% | computed |
| Return on assets | 0.26% | 0.45% | 0.77% | 0.71% | computed |
| Members | 510 | 584 | 3,212 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $4.3M | $3.6M | $1.1M | $5.6k | 16.06% | 510 | 3890 |
| 2026Q1 | $4.3M | $3.5M | $1.1M | $10.0k | 16.32% | 518 | 3923 |
| 2025Q4 | $4.2M | $3.5M | $988.1k | $64.0k | 16.49% | 524 | 3957 |
| 2025Q3 | $4.2M | $3.5M | $1.1M | $66.8k | 16.36% | 527 | 3982 |
| 2025Q2 | $4.3M | $3.6M | $1.1M | $48.7k | 15.77% | 531 | 4015 |
| 2025Q1 | $4.3M | $3.6M | $1.1M | $43.4k | 15.51% | 417 | 4055 |
| 2024Q4 | $4.2M | $3.6M | $1.1M | $-69.2k | 14.74% | 433 | 4092 |
| 2024Q3 | $4.3M | $3.6M | $1.1M | $-77.6k | 14.34% | 449 | 4121 |
| 2024Q2 | $4.8M | $4.2M | $1.1M | $-84.9k | 12.56% | 449 | 4105 |
| 2024Q1 | $4.9M | $4.3M | $1.2M | $-101.9k | 12.09% | 449 | 4133 |
| 2023Q4 | $5.1M | $4.3M | $1.2M | $54.7k | 13.69% | 454 | 4137 |
| 2023Q3 | $5.2M | $4.5M | $1.2M | $46.4k | 13.11% | 462 | 4156 |
| 2023Q2 | $5.4M | $4.7M | $966.3k | $39.0k | 12.60% | 472 | 4172 |
| 2023Q1 | $5.5M | $4.8M | $927.3k | $2.4k | 11.70% | 477 | 4188 |
| 2022Q4 | $5.5M | $4.9M | $974.2k | $-75.8k | 11.54% | 487 | 4214 |
| 2022Q3 | $5.7M | $5.0M | $890.7k | $-67.4k | 11.43% | 497 | 4241 |
| 2022Q2 | $5.6M | $4.9M | $910.6k | $-49.8k | 11.79% | 507 | 4277 |
| 2022Q1 | $5.6M | $4.8M | $997.8k | $-9.7k | 12.68% | 514 | 4318 |
| 2021Q4 | $5.4M | $4.7M | $1.1M | $12.1k | 13.20% | 523 | 4352 |
| 2021Q3 | $5.3M | $4.5M | $1.1M | $24.0k | 13.72% | 531 | 4398 |
| 2021Q2 | $5.2M | $4.5M | $1.2M | $4.6k | 13.51% | 538 | 4431 |
| 2021Q1 | $5.0M | $4.3M | $1.3M | $-12.1k | 13.68% | 561 | 4474 |
| 2020Q4 | $5.0M | $4.3M | $1.3M | $-82.7k | 13.99% | 583 | 4470 |
| 2020Q3 | $5.2M | $4.5M | $1.4M | $-60.3k | 13.87% | 591 | 4460 |
| 2020Q2 | $5.3M | $4.5M | $1.5M | $-37.6k | 14.08% | 616 | 4462 |
| 2020Q1 | $4.9M | $4.1M | $1.5M | $473 | 16.05% | 625 | 4505 |
| 2019Q4 | $4.9M | $4.1M | $1.5M | $25.2k | 16.04% | 635 | 4520 |
| 2019Q3 | $5.0M | $4.2M | $1.5M | $19.5k | 15.52% | 637 | 4532 |
| 2019Q2 | $5.1M | $4.3M | $1.3M | $16.1k | 15.28% | 642 | 4552 |
| 2019Q1 | $5.0M | $4.2M | $1.3M | $6.5k | 15.38% | 644 | 4584 |
| 2018Q4 | $4.8M | $4.0M | $1.3M | $23.9k | 15.76% | 648 | 4628 |
| 2018Q3 | $4.9M | $4.2M | $1.4M | $18.8k | 15.24% | 658 | 4645 |
| 2018Q2 | $5.2M | $4.4M | $1.4M | $10.4k | 14.35% | 662 | 4643 |
| 2018Q1 | $5.1M | $4.3M | $1.3M | $6.3k | 14.65% | 658 | 4697 |
| 2017Q4 | $4.8M | $4.1M | $1.2M | $-2.6k | 15.20% | 658 | 4737 |
| 2017Q3 | $4.9M | $4.2M | $1.2M | $-1.6k | 14.88% | 661 | 4773 |
| 2017Q2 | $5.0M | $4.3M | $1.1M | $2.0k | 14.67% | 671 | 4805 |
| 2017Q1 | $5.0M | $4.2M | $1.3M | $-21.5k | 14.37% | 690 | 4842 |
| 2016Q4 | $5.0M | $4.2M | $1.4M | $-41.2k | 14.89% | 709 | 4861 |
| 2016Q3 | $5.1M | $4.3M | $1.4M | $-57.8k | 14.17% | 734 | 4870 |
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