Upstate Telco Federal Credit Union Gloversville, New York
Upstate Telco Federal Credit Union is a federal credit union headquartered in Gloversville, NY, established in 1956 (NCUA charter 10746), and it is regulated and insured by the NCUA. At Q2 2026 it reported 510 members and total assets of $4.3M (up 1.3% from Q2 2025), the 230th largest of 267 credit unions headquartered in New York. Its net worth ratio was 16.06% at Q2 2026, in the well capitalized band.
Also written as Upstate Telco FCU
BankRegReports is independent of Upstate Telco Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 10746
- Headquarters
- Gloversville, NY
- Established
- 1956
- Total assets, Q2 2026
- $4.3M
- Assets vs Q2 2025
- +1.3%
- Members, Q2 2026
- 510
- Net worth ratio, Q2 2026
- 16.06%
- Latest call report
- Q2 2026, NCUA 5300 · Upstate Telco Federal Credit Union call report
- Asset rank in state
- 230th of 267 in New York
- Routing number
- 221376199
- Branches
- 1
It has 21 fewer members than on June 30, 2025 (-4.0%). Its net worth ratio was up 0.29 percentage points from 15.77% on June 30, 2025. New vehicle loans are its largest loan category, $692K of $1.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.28% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.06% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Upstate Telco Federal Credit Union
How big is Upstate Telco Federal Credit Union?
At Q2 2026 it reported total assets of $4.3M and 510 members.
Where is Upstate Telco Federal Credit Union headquartered?
It is headquartered in Gloversville, NY, United States.
When was Upstate Telco Federal Credit Union founded?
It was established in 1956, per NCUA records.
Is Upstate Telco Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 10746): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Upstate Telco Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Upstate Telco Federal Credit Union well capitalized?
Its net worth ratio was 16.06% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Upstate Telco Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.28% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Upstate Telco Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 29.77% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Gloversville, NY 12078
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 10746
- RSSD ID
- 772389
- Members
- 510
- Potential members
- 600
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.06% | 14.31% | 59th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.40% | 0.72% | 15th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -2.50% | 4.74% | 16th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.60% | 3.93% | 77th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 104.20% | 79.83% | 11th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.06% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.28% | 0.86% | 80th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.67% | 4.70% | 48th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 29.77% | 58.92% | 11th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.3M total assets against $4.3M; $3.6M total shares and deposits against $3.6M; $1.1M total loans against $1.1M.
$693K net worth against $672K.
16.06% net worth ratio against 15.77%.
29.77% loan-to-share ratio against 29.86%.
0.28% delinquency ratio against 0.69%.
-0.40% return on assets against 0.50%; -2.50% return on equity against 3.16%.
4.60% net interest margin against 4.86%.
510 members against 531.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.06% | -0.40% | 0.28% | 29.77% |
| March 31, 2026 | 16.32% | 0.93% | 0.17% | 29.87% |
| December 31, 2025 | 16.49% | -0.26% | 0.80% | 28.60% |
| September 30, 2025 | 16.36% | 1.72% | 0.44% | 30.55% |
| June 30, 2025 | 15.77% | 0.50% | 0.69% | 29.86% |
| March 31, 2025 | 15.51% | 4.03% | — | 30.09% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.