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Overview / Commentary
137 Harrison Street
Gloversville, NY 12078

Upstate Telco Federal Credit Union is headquartered in Gloversville and is the 273rd largest credit union in the state of New York. It is also the 4,861st largest credit union in the nation. It was established in 1956 and as of December of 2016, it had grown to 2 employees and 709 members at 1 location. Upstate Telco Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership in Upstate Telco Federal Credit Union is open to employees and retirees of Frontier- a Citizens Communications Company who work or are supervised from the Gloversville or Middletown offices.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Upstate Telco Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #10746
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD-0.82%
Return on Equity - YTD-5.56%
Annual Interest Income$137.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$5.0MM$5.2MM
LoansQ4 2016vs Q4 2015$1.4MM$1.5MM
DepositsQ4 2016vs Q4 2015$4.2MM$4.4MM
Equity CapitalQ4 2016vs Q4 2015$738.00K$779.00K
Loan Loss AllowanceQ4 2016vs Q4 2015$38.00K$41.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$25.00K$1,000
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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Upstate Telco Federal Credit Union Savings Account Rates

0.10%--Regular Savings
0.10%--Vacation Club
0.10%--Christmas Club

Upstate Telco Federal Credit Union Locations
Branch Office137 Harrison StGloversville, NY 12078