UPSTATE MILK EMPLOYEES
Charter #20547 · Lancaster, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 442 sits at the 21st percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.73% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -1.04% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 13th — a 22-point gap showing why the peer definition matters.
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 MILK EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.50M | 35th pct | 13th pct |
| Members | 442 | 39th pct | 21th pct |
| Net worth ratio | 10.18% | 14th pct | 31th pct |
| Return on average assets | 0.34% | 48th pct | 57th pct |
| Net interest margin | 4.28% | 57th pct | 66th pct |
| Cost of funds | 0.44% | 46th pct | 36th pct |
| Loan-to-share | 39.21% | 29th pct | 31th pct |
| Delinquency 60+ days | 3.73% | 82th pct | 85th pct |
| Net charge-off ratio | -1.04% | 4th pct | 3th pct |
| Loan growth YoY | 0.45% | 76th pct | 89th pct |
| Share growth YoY | -4.18% | 21th pct | 13th pct |
| Efficiency ratio | 90.35% | 57th pct | 46th pct |
structural peer set hash: 29f756e650ef1843cc2312b90c805ebf… (reproducible)
Closest structural peers
This is the free public view
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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.