U.P. STATE
Escanaba, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
14,213
Net Worth Ratio
12.64%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$211.8M
Peer Group 5
Members
14,213
as of latest quarter
Net Worth Ratio
12.64%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$211.8M
Total Shares
$183.5M
Total Loans
$128.2M
Net Income
$820K
Net Worth Ratio
12.64%
≥7% = Well Capitalized
Members
14,213
Return on Assets
0.39%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.36%
$459K
Loan-to-share ratio: 69.8%· healthy range 60–80%
Branch Locations
NCUAEscanaba Office
123 S Lincoln Rd, Escanaba, MI, 49829-1339
M-F 8:00am - 5:00pm
St. Ignace branch
W366 US Highway 2 W, Saint Ignace, MI, 49781-9614
M-F 8:00am-5:00pm
Cedarville branch
507 W M 134, Cedarville, MI, 49719
M-F 9:00am - 5:00pm
Norway Branch
601 US Highway 2, Norway, MI, 49870
Monday thru Friday 9:00 to 5:00Saturday 9:00 to 12:00
Kincheloe Branch
4868 W M 80, Kincheloe, MI, 49788-1620
Monday through Friday 9-5
Soo Spruce Street branch
402 W Spruce St, Sault Sainte Marie, MI, 49783
Monday through Friday 8-5
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/u-p-state" target="_blank" rel="noopener">View U.P. STATE on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.