UPSTATE TELCO
Charter #10746 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
UPSTATE TELCO has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.42% above tier average
- + Net Interest Margin 1.00% above tier average
- + Strong member growth: 17.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.1% in tier
- + Net Charge-Off Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 13.48% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 2.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
527
+17.4% YoY-0.8% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 14.6% in tier |
| Assets |
$4.2M
-1.6% YoY-1.0% QoQ
|
$-25.6M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 16.8% in tier |
| Loans |
$1.1M
+0.9% YoY+0.1% QoQ
|
$-14.7M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.9% in tier |
| Deposits |
$3.5M
-4.6% YoY-2.2% QoQ
|
$-22.0M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 17.7% in tier |
| ROA |
2.1%
-192.6% YoY-7.7% QoQ
|
+1.4% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 7.6% in tier |
| NIM |
4.9%
-5.0% YoY+0.7% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 15.7% in tier |
| Efficiency Ratio |
94.9%
+25.5% YoY+6.2% QoQ
|
+13.5% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 16.3% in tier |
| Delinquency Rate |
0.4%
-82.8% YoY-35.7% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
39th in tier |
| Loan To Share |
30.6%
+5.7% YoY+2.3% QoQ
|
-30.7% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.6% in tier |
| AMR |
$8,621
-17.6% YoY-0.9% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 22.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
56
Member Growth Rate
growth
Value:
17.37%
Peer Avg: 14.92%
#56 of 2596
Top 2.1% in <100M tier
105
Net Charge-Off Rate
risk
Value:
-0.12%
Peer Avg: 0.57%
#105 of 2596
Top 4.0% in <100M tier
196
Return on Assets (ROA)
profitability
Value:
2.10%
Peer Avg: 0.68%
#196 of 2596
Top 7.5% in <100M tier
408
Net Interest Margin (NIM)
profitability
Value:
4.93%
Peer Avg: 3.93%
#408 of 2596
Top 15.7% in <100M tier
Top Weaknesses (11 metrics)
2522
AMR Growth Rate
growth
Value:
-17.65%
Peer Avg: 4.67%
#2522 of 2596
Bottom 2.9% in <100M tier
2318
Loan-to-Share Ratio
balance_sheet
Value:
30.55%
Peer Avg: 61.23%
#2318 of 2596
Bottom 10.7% in <100M tier
2287
Total Loans
balance_sheet
Value:
$1.06M
Peer Avg: $15.77M
#2287 of 2596
Bottom 11.9% in <100M tier
2260
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,017
Peer Avg: $5,488
#2260 of 2596
Bottom 13.0% in <100M tier
2215
Total Members
engagement
Value:
527
Peer Avg: 2,626
#2215 of 2596
Bottom 14.7% in <100M tier
2175
Efficiency Ratio
profitability
Value:
94.87%
Peer Avg: 81.39%
#2175 of 2596
Bottom 16.3% in <100M tier
2173
Fee Income Per Member
profitability
Value:
$7.13
Peer Avg: $182.96
#2173 of 2596
Bottom 16.3% in <100M tier
2159
Total Assets
balance_sheet
Value:
$4.22M
Peer Avg: $29.86M
#2159 of 2596
Bottom 16.9% in <100M tier
2137
Total Deposits
balance_sheet
Value:
$3.48M
Peer Avg: $25.45M
#2137 of 2596
Bottom 17.7% in <100M tier
2102
Deposit Growth Rate
growth
Value:
-4.56%
Peer Avg: 16.80%
#2102 of 2596
Bottom 19.1% in <100M tier