Charter 62085 · Escanaba, MI
U.p. State Credit Union
U.p. State Credit Union is a state-chartered credit union in Escanaba, Michigan, with $210 million in assets and 14,446 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.17%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $210 million
- +5.0% in a year
- Members
- 14,446
- -5.4% in a year
- Net worth ratio
- 13.17%
- Peer median 11.65%
- Loans 60+ days late
- 1.10%
- Peer median 0.70%
- Loans outstanding
- $138 million
- +19.4% in a year
- Shares and deposits
- $182 million
- +2.4% in a year
- Branches
- 6
- 54 employees
- Opened
- 1955
- Michigan charter
How U.p. State Credit Union compares
NCUA groups credit unions by size; U.p. State Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.17% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.10%, is higher than the group median of 0.70%. Loans grew 19.4% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 79 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $210 million | 14,446 | $138 million | 13.17% | 1.10% |
| Q1 2026 | $212 million | 14,213 | $128 million | 12.64% | 0.54% |
| Q4 2025 | $207 million | 14,209 | $125 million | 12.56% | 0.66% |
| Q3 2025 | $202 million | 15,409 | $119 million | 12.30% | 0.46% |
| Q2 2025 | $200 million | 15,278 | $116 million | 11.94% | 0.38% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 350,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for U.p. State Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Escanaba Office (main office)
123 S Lincoln Rd, Escanaba, MI 49829 - St. Ignace branch
W366 Us Highway 2 W, Saint Ignace, MI 49781 - Cedarville branch
507 W M 134, Cedarville, MI 49719 - Norway Branch
601 Us Highway 2, Norway, MI 49870 - Kincheloe Branch
4868 W M 80, Kincheloe, MI 49788 - Soo Spruce Street branch
402 W Spruce St, Sault Sainte Marie, MI 49783
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology