UPSTATE TELCO
Charter #10746 · Gloversville, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.95% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.48% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.08% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.20% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 98.14% sits at the 75th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | UPSTATE TELCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.27M | 52th pct | 34th pct |
| Members | 518 | 44th pct | 34th pct |
| Net worth ratio | 16.32% | 44th pct | 44th pct |
| Return on average assets | 0.95% | 70th pct | 82th pct |
| Net interest margin | 4.48% | 64th pct | 90th pct |
| Cost of funds | 0.08% | 18th pct | 8th pct |
| Loan-to-share | 29.87% | 19th pct | 18th pct |
| Delinquency 60+ days | 0.17% | 33th pct | 48th pct |
| Net charge-off ratio | -0.20% | 11th pct | 10th pct |
| Loan growth YoY | -0.37% | 73th pct | 84th pct |
| Share growth YoY | 1.91% | 64th pct | 66th pct |
| Efficiency ratio | 98.14% | 69th pct | 75th pct |
structural peer set hash: b6a567356b323b38c675211342e483bd… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.