Upstate
Upstate is a credit union based in Anderson, South Carolina, established in 1965, with $148 million in total assets serving 17,602 members. By Trust Grade it ranks 46th of 46 credit unions we track in South Carolina. Its net worth ratio of 9.7% trails most similarly sized credit unions (27th percentile), versus a South Carolina median of 13.2%. It posted a loss over the most recent period (-0.97% return on assets), a point to watch. No consumer complaints against Upstate appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Upstate compares to South Carolina peers
How we graded Upstate
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.7% capital ratio)
- Unprofitable over the period (ROA -0.97%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Upstate over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Upstate insured?
Yes. Upstate 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.
Upstate: frequently asked questions
Is Upstate a good credit union?
Upstate earns a Bankzia Trust Grade of C (72/100, "Average"), based on a financial-strength score of 72/100 (it has no CFPB complaints on record). Well-capitalized (9.7% capital ratio); Unprofitable over the period (ROA -0.97%).
Is Upstate NCUA-insured?
Yes. Upstate 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 Upstate?
Upstate holds $148 million in total assets, ranking 46th of 46 credit unions we track in South Carolina. It serves 17,602 members.
Does Upstate have CFPB complaints?
No CFPB complaints against Upstate 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.
