Overview / Commentary
Upward Credit Union is headquartered in Burlingame and is the 158th largest credit union in the state of California. It is also the 1,911th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 13 employees and 4,426 members at 3 locations. Upward Credit Union has a B+ health rating.
Field of Membership Restrictions
Membership is open to those who live, work, or attend school in San Mateo County in California. Membership is also open to employees of Mills-Peninsula Health Services and its subsidiaries, Blood Centers of the Pacific, equoia Hospital, who work in Redwood City, California, Pathways Private Duty and Pathways Home, Health, and Hospice who work in Mountain View, California.
See current membership details
Health
B+
Data as of Q1 2025
Learn why bank health mattersAdditional 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. Upward Credit Union has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 65323 |
| Year Chartered | 1956 |
| Employees | 13 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.48% |
| Return on Equity - YTD | 4.9% |
| Annual Interest Income | $956K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $91.9MM$96.5MM |
| Loans | Q1 2025vs Q1 2024 | $48.7MM$48.3MM |
| Deposits | Q1 2025vs Q1 2024 | $81.7MM$87.5MM |
| Equity Capital | Q1 2025vs Q1 2024 | $9.1MM$7.7MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $319K$201K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $95K$608K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |