U.P. STATE
State-Chartered • Escanaba, Michigan • Est. 1955
Quick Facts
- Charter Number
- #62085
- Type
- State-Chartered
- Established
- 1955
- Headquarters
- Escanaba, Michigan 49829-1339
- Address
- 123 S Lincoln Road
- Branches
- 6
- ATMs
- 5
- Members
- 14,209
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
14,209 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | U.P. STATE |
|---|---|
| Total Assets | $206.5M |
| Members | 14,209 |
| Loans Outstanding | $124.5M |
| Shares & Deposits | $179.4M |
| Net Worth | $25.9M |
| Net Worth Ratio | 12.56% |
| Loan-to-Share Ratio | 69.4% |
| Delinquency Rate | 0.66% |
| Net Income | +$2,881,276 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 5 ATMs
Escanaba Office
Main Office123 S Lincoln Rd
Escanaba, MI 49829-1339
St. Ignace branch
W366 US Highway 2 W
Saint Ignace, MI 49781-9614
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 49788-1620
Who Can Join U.P. STATE?
Membership Type: Community
Membership eligibility for U.P. STATE may vary. Contact the credit union directly to confirm qualification requirements.
Contact U.P. STATE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. U.P. STATE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, U.P. STATE has 14,209 members and a potential membership field of 350,000 people.
U.P. STATE's net worth ratio is 12.56% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.6%, U.P. STATE meets this threshold.
U.P. STATE operates 6 branch locations and has access to 5 ATMs. The main office is located at 123 S Lincoln Rd, Escanaba, MI 49829-1339.
U.P. STATE was established in 1955. It is a state-chartered credit union chartered under charter number 62085. The institution has been serving members for 71 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or U.P. STATE. All financial data is for informational purposes only.