Charter 24484 · Anderson, SC
Upstate Federal Credit Union
Upstate Federal Credit Union is a federally chartered credit union in Anderson, South Carolina, with $149 million in assets and 17,889 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.77%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $149 million
- +9.9% in a year
- Members
- 17,889
- +5.7% in a year
- Net worth ratio
- 9.77%
- Peer median 11.65%
- Loans 60+ days late
- 0.26%
- Peer median 0.70%
- Loans outstanding
- $98.0 million
- +1.7% in a year
- Shares and deposits
- $134 million
- +9.2% in a year
- Branches
- 8
- 67 employees
- Opened
- 1965
- Federal charter
How Upstate Federal Credit Union compares
NCUA groups credit unions by size; Upstate Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.77% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.26%, is lower than the group median of 0.70%. Loans grew 1.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 22 of 45 credit unions headquartered in South Carolina. See all South Carolina credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $149 million | 17,889 | $98.0 million | 9.77% | 0.26% |
| Q1 2026 | $148 million | 17,602 | $96.7 million | 9.70% | 0.26% |
| Q4 2025 | $139 million | 17,300 | $97.4 million | 10.20% | 0.46% |
| Q3 2025 | $138 million | 17,175 | $97.1 million | 10.23% | 0.24% |
| Q2 2025 | $135 million | 16,925 | $96.4 million | 10.13% | 0.29% |
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 1.1 million 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 9 sites for Upstate Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Administration Center (main office)
123 Broadbent Way, Anderson, SC 29625 - Honea Path Branch
430 N Main St, Honea Path, SC 29654 - Williamston Office
4 Roberts Blvd, Williamston, SC 29697 - South Anderson Branch Office
4805 Highway 81 S, Starr, SC 29684 - Whitehall / McGee Road Branch
910 Whitehall Rd, Anderson, SC 29625 - Michelin US 8
1 Bib Way, Anderson, SC 29626 - Michelin US 10
10 Bib Way, Anderson, SC 29626 - Pendleton Branch
6700 Highway 76, Pendleton, SC 29670 - Crescent Financial
9104 Highway 81 S, Iva, SC 29655
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