Upstate Telco
Upstate Telco is a credit union based in Gloversville, New York, established in 1956, with $4 million in total assets serving 518 members. By Trust Grade it ranks 64th of 267 credit unions we track in New York. Its net worth ratio of 16.3% is stronger than 63% of similarly sized credit unions, versus a New York median of 12%. It was profitable over the most recent period, with a 0.93% return on assets. No consumer complaints against Upstate Telco appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Upstate Telco compares to New York peers
How we graded Upstate Telco
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (16.3% capital ratio)
- Profitable (ROA 0.93%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Upstate Telco over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Upstate Telco insured?
Yes. Upstate Telco 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 Telco: frequently asked questions
Is Upstate Telco a good credit union?
Upstate Telco earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (16.3% capital ratio); Profitable (ROA 0.93%).
Is Upstate Telco NCUA-insured?
Yes. Upstate Telco 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 Telco?
Upstate Telco holds $4 million in total assets, ranking 64th of 267 credit unions we track in New York. It serves 518 members.
Does Upstate Telco have CFPB complaints?
No CFPB complaints against Upstate Telco 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.
