U.P. State
U.P. State is a credit union based in Escanaba, Michigan, established in 1955, with $212 million in total assets serving 14,213 members. By Trust Grade it ranks 29th of 170 credit unions we track in Michigan. Its net worth ratio of 12.6% is stronger than 68% of similarly sized credit unions, versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 1.55% return on assets. No consumer complaints against U.P. State appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How U.P. State compares to Michigan peers
How we graded U.P. State
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.6% capital ratio)
- Strongly profitable (ROA 1.55%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for U.P. State over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at U.P. State insured?
Yes. U.P. State is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
U.P. State: frequently asked questions
Is U.P. State a good credit union?
U.P. State earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.6% capital ratio); Strongly profitable (ROA 1.55%).
Is U.P. State NCUA-insured?
Yes. U.P. State is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is U.P. State?
U.P. State holds $212 million in total assets, ranking 29th of 170 credit unions we track in Michigan. It serves 14,213 members.
Does U.P. State have CFPB complaints?
No CFPB complaints against U.P. State appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
