UPSTATE TELCO
Federal • Gloversville, New York • Est. 1956
Quick Facts
- Charter Number
- #10746
- Type
- Federal
- Established
- 1956
- Headquarters
- Gloversville, New York 12078
- Address
- 137 Harrison Street
- Branches
- 1
- Members
- 524
- 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
524 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UPSTATE TELCO |
|---|---|
| Total Assets | $4.2M |
| Members | 524 |
| Loans Outstanding | $988K |
| Shares & Deposits | $3.5M |
| Net Worth | $687K |
| Net Worth Ratio | 16.49% |
| Loan-to-Share Ratio | 28.6% |
| Delinquency Rate | 0.80% |
| Net Income | +$63,998 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Main Branch
Main Office137 Harrison St
Gloversville, NY 12078
Who Can Join UPSTATE TELCO?
Membership Type: Community
Membership eligibility for UPSTATE TELCO may vary. Contact the credit union directly to confirm qualification requirements.
Contact UPSTATE TELCO 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 TELCO 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 TELCO has 524 members and a potential membership field of 600 people.
UPSTATE TELCO's net worth ratio is 16.49% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 16.5%, UPSTATE TELCO meets this threshold.
UPSTATE TELCO operates 1 branch location. The main office is located at 137 Harrison St, Gloversville, NY 12078.
UPSTATE TELCO was established in 1956. It is a federal credit union chartered under charter number 10746. The institution has been serving members for 70 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 TELCO. All financial data is for informational purposes only.