Upstate Telco
Gloversville, NY · Charter 10746 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
$4.3MAssets
$1.1MLoans
$3.6MShares
$693KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 88% of credit unions under $1B in assets in NY (rank 7 of 59).
- Widest gap: efficiency ratio trails 92% of credit unions under $1B in assets in NY (rank 55 of 59).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.28%
Rank 45 of 59
Net Interest Margin
4.49%
Rank 7 of 59
Efficiency Ratio
102.04%
Rank 55 of 59
Equity / Assets
16.06%
Rank 14 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 0.28% | 1.01% | 1.42% | Beats 24% | 45 / 59 | | |
| Return on Equity | 1.73% | 2.31% | 7.92% | 10.52% | Beats 19% | 48 / 59 | | |
| Net Interest Margin | 4.49% | 3.24% | 3.66% | 4.04% | Beats 88% | 7 / 59 | | |
| Efficiency Ratio | 102.04% | 63.53% | 74.15% | 82.44% | Beats 8% | 55 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.32% | 0.68% | 1.20% | Beats 78% | 14 / 59 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.06% | 10.94% | 13.05% | 16.06% | Beats 76% | 14 / 59 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.06% | 10.94% | 13.05% | 16.06% | Beats 76% | 14 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 29.78% | 40.49% | 57.59% | 78.86% | 14th pctl | 51 / 59 | | |
| Loans / Assets | 24.79% | 33.06% | 50.92% | 63.03% | 12th pctl | 52 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |