CU Explorer
Credit unions · Michigan · Q2 2026

U.P. State CU

Credit union in Escanaba, MI · NCUA charter #62085 · State charter (federally insured)

Legal name: U.P. State

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

Total assets$210M
Total loans & leases$138M
Total shares & deposits$182M
Members14,450
Net worth$27.7M
Net worth / assets13.17%
Loans / assets65.74%
Return on assets (annualized)1.66%
Loan growth (YoY)19.42%
Member growth (YoY)−5.45%
Delinquency, all loans (60+ days)1.10%
CharterState charter (federally insured)
Asset band$50M–$250M
NCUA peer group$100M–$500M
Sponsor typeGovernment (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

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

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online loan payments, bill payment, e-signature, e-Statements, remote deposit capture. These are relationships and channels, not AI as such.

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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