credit union · NCUA 62085 · MI
How big is U.P. STATE?
U.P. STATE (MI, NCUA charter 62085) reported total assets of $210.3M, 14,446 members and a net worth ratio of 13.17% in its Call Report for 2026Q2. That ranks 1253 of 4,299 federally insured credit unions by assets, 494 of 1,061 among credit unions with $100m-$500m in assets, 79 of 169 credit unions in michigan.
What stands out
U.P. STATE (MI, NCUA charter 62085) reported total assets of $210.3M, 14,446 members and a net worth ratio of 13.17% in its Call Report for 2026Q2. That ranks 1253 of 4,299 federally insured credit unions by assets, 494 of 1,061 among credit unions with $100m-$500m in assets, 79 of 169 credit unions in michigan. Against its size class: net worth ratio 13.17%, above the peer median of 11.65%; loan-to-share ratio 76.17%, above the peer median of 73.15%; return on assets 1.66%, above the peer median of 0.74%. At 13.17% 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 | $210.3M | $198.1M | $186.5M | $68.3M | record → |
| Shares and deposits | $181.5M | $172.3M | $160.8M | $58.3M | record → |
| Loans outstanding | $138.3M | $125.2M | $115.9M | $34.4M | record → |
| Net income (year to date) | $1.7M | $766.3k | $792.8k | $222.2k | record → |
| Net worth | $27.7M | $24.5M | $22.8M | $9.0M | record → |
| Net worth ratio | 13.17% | 11.65% | 12.03% | 12.65% | record → |
| Loan-to-share ratio | 76.17% | 73.15% | 68.71% | 68.70% | computed |
| Return on assets | 1.66% | 0.74% | 0.92% | 0.71% | computed |
| Members | 14,446 | 13,230 | 13,435 | 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 | $210.3M | $181.5M | $138.3M | $1.7M | 13.17% | 14,446 | 1253 |
| 2026Q1 | $211.8M | $183.5M | $128.2M | $819.7k | 12.64% | 14,213 | 1245 |
| 2025Q4 | $206.5M | $179.4M | $124.5M | $2.8M | 12.56% | 14,209 | 1256 |
| 2025Q3 | $202.4M | $176.2M | $119.5M | $1.7M | 12.30% | 15,409 | 1273 |
| 2025Q2 | $200.3M | $177.2M | $115.8M | $725.8k | 11.94% | 15,278 | 1283 |
| 2025Q1 | $200.3M | $175.0M | $109.6M | $795.3k | 11.97% | 15,221 | 1281 |
| 2024Q4 | $196.9M | $172.2M | $109.9M | $3.4M | 11.78% | 15,259 | 1279 |
| 2024Q3 | $198.4M | $173.8M | $110.7M | $2.6M | 11.30% | 15,365 | 1272 |
| 2024Q2 | $197.0M | $173.6M | $111.4M | $1.6M | 10.87% | 15,353 | 1279 |
| 2024Q1 | $197.3M | $174.8M | $110.0M | $578.9k | 10.33% | 15,519 | 1284 |
| 2023Q4 | $134.7M | $119.9M | $80.4M | $2.0M | 9.95% | 10,900 | 1561 |
| 2023Q3 | $139.2M | $124.4M | $78.0M | $1.5M | 9.29% | 10,846 | 1541 |
| 2023Q2 | $139.8M | $126.0M | $74.6M | $1.0M | 8.88% | 10,824 | 1542 |
| 2023Q1 | $145.4M | $132.0M | $70.3M | $553.1k | 8.22% | 10,805 | 1519 |
| 2022Q4 | $144.8M | $132.2M | $69.5M | $1.1M | 7.86% | 10,819 | 1514 |
| 2022Q3 | $148.1M | $134.7M | $68.3M | $620.6k | 7.37% | 10,849 | 1499 |
| 2022Q2 | $144.9M | $133.0M | $65.7M | $240.0k | 7.27% | 10,819 | 1520 |
| 2022Q1 | $117.6M | $108.7M | $56.2M | $18.2k | 6.98% | 9,337 | 1695 |
| 2021Q4 | $113.4M | $104.5M | $55.5M | $560.1k | 7.11% | 9,370 | 1712 |
| 2021Q3 | $113.5M | $104.3M | $55.3M | $558.9k | 7.36% | 9,405 | 1702 |
| 2021Q2 | $109.6M | $101.0M | $55.2M | $229.7k | 7.31% | 9,387 | 1730 |
| 2021Q1 | $108.2M | $99.4M | $51.6M | $36.7k | 7.41% | 9,335 | 1740 |
| 2020Q4 | $98.0M | $89.7M | $46.8M | $329.4k | 7.49% | 9,282 | 1772 |
| 2020Q3 | $98.9M | $89.8M | $45.2M | $360.1k | 7.46% | 9,274 | 1753 |
| 2020Q2 | $93.0M | $84.6M | $44.5M | $223.3k | 7.78% | 9,248 | 1794 |
| 2020Q1 | $83.1M | $75.5M | $45.1M | $40.9k | 8.48% | 9,300 | 1829 |
| 2019Q4 | $80.2M | $72.5M | $46.1M | $411.0k | 8.75% | 9,389 | 1840 |
| 2019Q3 | $80.0M | $72.3M | $46.5M | $318.3k | 8.64% | 9,447 | 1837 |
| 2019Q2 | $79.4M | $71.7M | $47.3M | $155.9k | 8.50% | 9,451 | 1854 |
| 2019Q1 | $78.2M | $70.4M | $46.6M | $86.9k | 8.55% | 9,422 | 1866 |
| 2018Q4 | $76.9M | $69.2M | $48.1M | $401.5k | 8.58% | 9,414 | 1863 |
| 2018Q3 | $77.3M | $69.7M | $49.0M | $332.3k | 8.44% | 9,436 | 1860 |
| 2018Q2 | $77.2M | $69.7M | $49.6M | $153.3k | 8.23% | 9,416 | 1881 |
| 2018Q1 | $76.7M | $69.3M | $50.3M | $107.4k | 8.23% | 9,349 | 1884 |
| 2017Q4 | $75.3M | $67.4M | $51.5M | $388.8k | 8.24% | 9,341 | 1875 |
| 2017Q3 | $75.4M | $68.1M | $52.0M | $413.5k | 8.26% | 9,342 | 1881 |
| 2017Q2 | $74.8M | $67.9M | $52.1M | $241.2k | 8.09% | 9,282 | 1901 |
| 2017Q1 | $73.0M | $66.0M | $51.6M | $112.9k | 8.12% | 9,212 | 1946 |
| 2016Q4 | $72.0M | $65.2M | $52.9M | $501.8k | 8.07% | 9,185 | 1929 |
| 2016Q3 | $70.2M | $63.2M | $53.5M | $394.3k | 8.12% | 9,185 | 1958 |
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