Sep, 30, 2025 — UPSTATE FEDERAL CREDIT UNION is a federal credit union headquartered in ANDERSON, SC with 7 branch locations and about $137.69 million in total assets. Opened 61 years ago in 1965, UPSTATE FEDERAL CREDIT UNION has about 17,175 members and employs 67 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | UPSTATE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 123 Broadbent Way ANDERSON, SC 29625 |
| Phone: | (864) 359-3355 |
| Fax: | (864) 328-0305 |
| Website: | https://www.upstatefcu.org |
| Branches: | 7 branch locations |
| Members: | 17,175 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24484 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1965 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $137,686,825 |
| CEO/Manager: | Donna J Metz |
| Chairperson: | Gregory Silver |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 14,355,438 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 21,016,984 |
| Unsecured Loans | 8,409,671 |
| Other Loans | 67,654,712 |
| TOTAL LOANS | 97,109,751 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -676,009 |
| Land And Building | 6,228,552 |
| Other Fixed Assets | 324,768 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,157,270 |
| All Other Assets | 93,101 |
| TOTAL ASSETS | 137,686,825 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 183,367 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -894,124 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 29,673,773 |
| Regular shares | 54,481,491 |
| All Other Shares & Deposits | 40,543,180 |
| TOTAL SHARES & DEPOSITS | 124,698,445 |
| TOTAL LIABILITIES | 123,987,688 |
| Regular Reserve | 0 |
| Other Reserves | -228,630 |
| Undivided Earnings | 13,927,767 |
| TOTAL EQUITY | 13,699,137 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 137,686,825 |
| INCOME & EXPENSE | |
| Loan Income | 5,780,423 |
| Investment Income | 549,077 |
| Other Income | 1,164,029 |
| Total Employee Compensation & Benefits | 3,548,215 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,272,652 |
| Non-operating Income & (Expense) | -1,365 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 164,724 |
| Cost of Funds | 1,335,473 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 810,547 |
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