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 Rd
- Branches
- 6
- ATMs
- 5
- Members
- 14,213
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
14,213 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | U.P. STATE |
|---|---|
| Total Assets | $211.8M |
| Members | 14,213 |
| Loans Outstanding | $128.2M |
| Shares & Deposits | $183.5M |
| Net Worth | $26.8M |
| Net Worth Ratio | 12.64% |
| Loan-to-Share Ratio | 69.8% |
| Delinquency Rate | 0.54% |
| Net Income | +$819,689 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
U.P. STATE is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, U.P. STATE has 14,213 members and a potential membership field of 350,000 people.
U.P. STATE's reported net worth ratio is 12.64% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or U.P. STATE. All financial data is for informational purposes only.