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Overview / Commentary
137 Harrison Street
Gloversville, NY 12078

Upstate Telco Federal Credit Union is headquartered in Gloversville and is the 275th 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 June of 2016, it had grown to 2 employees and 764 members at 1 location. Upstate Telco Federal Credit Union has a B 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, and a negative return on assets.

Health Grade Components

NCUA #10746
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD-2.15%
Return on Equity - YTD-15.79%
Annual Interest Income$66.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$5.3MM$5.1MM
LoansQ2 2016vs Q2 2015$1.4MM$1.6MM
DepositsQ2 2016vs Q2 2015$4.5MM$4.3MM
Equity CapitalQ2 2016vs Q2 2015$722.00K$801.00K
Loan Loss AllowanceQ2 2016vs Q2 2015$55.00K$37.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$0$18.00K
Real Estate OwnedQ2 2016vs Q2 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