UPSTATE MILK EMPLOYEES
Federal • Lancaster, New York • Est. 1971
Quick Facts
- Charter Number
- #20547
- Type
- Federal
- Established
- 1971
- Headquarters
- Lancaster, New York 14086-0268
- Address
- PO Box 268
- Branches
- 1
- Members
- 455
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Below-average financial health. Net worth ratio may be approaching regulatory minimums. Members' deposits remain insured up to $250,000.
Financial Overview
Total Assets
Members
455 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UPSTATE MILK EMPLOYEES |
|---|---|
| Total Assets | $2.5M |
| Members | 455 |
| Loans Outstanding | $834K |
| Shares & Deposits | $2.2M |
| Net Worth | $252K |
| Net Worth Ratio | 10.17% |
| Loan-to-Share Ratio | 37.5% |
| Delinquency Rate | 3.75% |
| Net Income | +$8,912 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Upstate Milk Employess FCU
Main Office368 Pleasant View Dr
Lancaster, NY 14086-1316
Who Can Join UPSTATE MILK EMPLOYEES?
Membership Type: Community
Membership eligibility for UPSTATE MILK EMPLOYEES may vary. Contact the credit union directly to confirm qualification requirements.
Contact UPSTATE MILK EMPLOYEES directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. UPSTATE MILK EMPLOYEES 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, UPSTATE MILK EMPLOYEES has 455 members and a potential membership field of 800 people.
UPSTATE MILK EMPLOYEES's net worth ratio is 10.17% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.2%, UPSTATE MILK EMPLOYEES meets this threshold.
UPSTATE MILK EMPLOYEES operates 1 branch location. The main office is located at 368 Pleasant View Dr, Lancaster, NY 14086-1316.
UPSTATE MILK EMPLOYEES was established in 1971. It is a federal credit union chartered under charter number 20547. The institution has been serving members for 55 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or UPSTATE MILK EMPLOYEES. All financial data is for informational purposes only.