CU Explorer
Credit unions · New York · Q2 2026

Upstate Milk Employees FCU

Credit union in Lancaster, NY · NCUA charter #20547 · Federal charter

Legal name: Upstate Milk Employees

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$2.5M
Total loans & leases$841K
Total shares & deposits$2.2M
Members429
Net worth$238K
Net worth / assets9.62%
Loans / assets33.95%
Return on assets (annualized)−1.15%
Loan growth (YoY)−13.16%
Member growth (YoY)−7.54%
Delinquency, all loans (60+ days)0.74%
CharterFederal charter
Asset band< $50M
NCUA peer group$2M–$10M
Sponsor typeService (finance, health, transport, utilities)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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