UPWARD
State-Chartered • Burlingame, California • Est. 1956
Quick Facts
- Charter Number
- #65323
- Type
- State-Chartered
- Established
- 1956
- Headquarters
- Burlingame, California 94010-3106
- Address
- 1860 El Camino Real Ste 100
- Branches
- 3
- ATMs
- 2
- Members
- 4,293
- 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
4,293 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UPWARD |
|---|---|
| Total Assets | $93.7M |
| Members | 4,293 |
| Loans Outstanding | $50.5M |
| Shares & Deposits | $80.5M |
| Net Worth | $10.3M |
| Net Worth Ratio | 10.96% |
| Loan-to-Share Ratio | 62.6% |
| Delinquency Rate | 0.18% |
| Net Income | +$900,989 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 2 ATMs
Main Office
Main Office1860 El Camino Real Ste 100
Burlingame, CA 94010-3106
San Francisco Federal Credit Union
510 Veterans Blvd Ste B
Redwood City, CA 94063
Sequoia Hosipital Branch
170 Alameda de Las Pulgas
Redwood City, CA 94062
Who Can Join UPWARD?
Membership Type: Community
Membership eligibility for UPWARD may vary. Contact the credit union directly to confirm qualification requirements.
Contact UPWARD directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View California RankingsFrequently Asked Questions
Yes. UPWARD 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, UPWARD has 4,293 members and a potential membership field of 745,100 people.
UPWARD's net worth ratio is 10.96% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.0%, UPWARD meets this threshold.
UPWARD operates 3 branch locations and has access to 2 ATMs. The main office is located at 1860 El Camino Real Ste 100, Burlingame, CA 94010-3106.
UPWARD was established in 1956. It is a state-chartered credit union chartered under charter number 65323. 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 UPWARD. All financial data is for informational purposes only.