# UPSTATE
Anderson, SC · NCUA charter 24484 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/upstate-24484

Who the members are: federal charter, community charter, organized 1965, low-income designated. 17,602 members of 1,095,361 potential (1.6% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $148.1M |
| Members | 17,602 (6.1% YoY) |
| Full-time staff | 57 |
| Net worth | $13.6M |
| Net worth ratio | 9.2% (p16 of band) |
| ROA (annualized) | -0.97% (p2 of band) |
| Total delinquency | 0.26% (p20 of band) |
| Net charge-offs (annualized) | 0.27% (p41 of band) |
| Loans / shares | 72% (p56 of band) |
| Cash / assets | 16.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.75% (p92 of band) |
| Operating expense / assets | 8.06% (p100 of band) |
| Vehicles % of loans | 59% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.26% (p27 of band) |
| Vehicle NCO | 0.07% (p20 of band) |
| Repossessed % of vehicle book | 0.07% (p75 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 21% |
| Average share balance | $4,177 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $11,820 |
| Loans granted, annualized | $36.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, expense trap, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | thin capital |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 5 | thin capital, net worth falling, margin squeeze |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 3 |  | margin squeeze |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | delinquency rising |  |
| 2022-09 | 3 |  | delinquency rising |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | leaning on borrowings |  |
| 2023-09 | 4 | delinquency rising | thin capital |
| 2023-12 | 4 |  |  |
| 2024-03 | 6 | thin capital, net worth falling |  |
| 2024-06 | 3 |  | delinquency rising, thin capital, net worth falling |
| 2024-09 | 4 | thin capital |  |
| 2024-12 | 2 |  | auto monoline, thin capital |
| 2025-03 | 1 |  | leaning on borrowings |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | assets shrinking |  |
| 2025-12 | 2 | delinquency rising | assets shrinking |
| 2026-03 | 3 | net worth falling, losing money | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-27 [Upstate High School's Student-Run Credit Union Inspires Next-Gen Financial Literacy - WYFF](https://news.google.com/rss/articles/CBMiigFBVV95cUxOcHdEMWJpdWJVdEpFZ1h4XzJIMl9LZTQzMW5rSGktTGlSV2pPQnk5VWk1LWJuSFE1cDlkcnRFREJjUG1GaDUtc0IzMjl4eWFGeFh5SjBjT0MxNHR3dldROVRtWGNraEh1Y3k2RkFuSFA2Vkl4dHV4SWEwSDRBQWVqWjhsbERuWGx3ZEE?oc=5) · WYFF
- 2026-07-08 [Greenville Federal Credit Union announces $9.5M campus expansion - upstate business journal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNdVFpd3BIN1J2MnpMal9VcW5DV3BPd3JqdVZoZFlIZ1M0cE1yZDFydW9FUVNEbXhlNXBWRHFyRGNPZmkxdF8wLVRaaFBnNk5TS2xnUy1LcHloZG81eE1DdUJESjY2TDVmNG1UdXJ6ZVdUYkxwYVJjbUFpUENJSkd2Tm8xVjMyS3dqeWVJT2Y5N05aTXRQVElJbnl0dW0tRVBQWG1reERHTWFTdw?oc=5) · upstate business journal
- 2026-04-14 [Greenville FCU Building New Branch in Upstate South Carolina - CUTimes](https://news.google.com/rss/articles/CBMinAFBVV95cUxOcUJ1cjd0YlpnOWpVNjB2Z3c0S3J1dVFmZXVHRGo2YUxtZmFwZnk5TjV6ODNVa1N5OE9Ob2pEYklnakg3dzZNWWw0eG1LR2QtRVZFUUs0OEpJZkZkMFRQdFNIWWpUd0tMOEdTUldhUnNFVlBMZnFMNHcySkVBaDhlWHJzRGFLZkx2cUsycXAyaFdaYjNiNTA5NXZaOFI?oc=5) · CUTimes
- 2026-02-25 [Upstate SC credit unions participate in Habitat Greenville build - Greenville Journal](https://news.google.com/rss/articles/CBMiswFBVV95cUxQMzZPNFV4UGIwXzliNU5sM1NiUU5BRVZNQkdoRnBWeUUzQ29rQTktRnozbV9BS3Y2TWtXWkcybV9RaWZIQnEyN2NfS1hic0VpRWpYanRkQkhVZGEtb2ZLMmZJbFFoVkQ5X09RWHNtMk04MUFoX3cyVTc5WjFqYUlYUnR4QkI2SW9uOHAwN05GdlZ0VjNFQ3lvUEMxWWZWOWw0WklkWmFFaVQxRXBWTmpsN0wzMA?oc=5) · Greenville Journal
- 2026-06-12 [Bank of America appoints president of upstate South Carolina - ATM Marketplace](https://news.google.com/rss/articles/CBMingFBVV95cUxNTDlQTURZUnhiN3ZWdGF4RGl0V0lWbjdRVER4aUM4aWNDZkItMllqay1ad2Nka0EwZVBUVjlqTFVvMHdrTEtNdEdfbVRjWEd1WW95OHk4aUlwbjkxMjNGZWFfTmw5a2hfV2NGYi1hWk56cElseUJPbDJZMGg1TjVIRTVldWRRMG5jYXREU2RVX0JueURnbEd6TkthWDZjUQ?oc=5) · ATM Marketplace
- 2026-04-09 [Greenville Federal Credit Union to open Berea branch - upstate business journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxNeVpldU5xTFVicGViYm56RmVaWTFGWGlnbU5kaVBJQ3NzU1BEWEFOYzJ5U01LLXFWZDg4b0ZvWEhOZl81R0kyaDlvbGU2Yjc0N2t3alByajl5b3RTR3lOSC1IaWtMWWI3c3hkRzNqRDFJMDNpTlBMVlpTOER1RVlNT2JxQUZ6bjVseFFkYnlBWVJ6WEd2ck9VYVhEVDI?oc=5) · upstate business journal
- 2026-07-18 [Community offers opportunity for supplies before first day of school - Independent Mail](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNT2Nsc2lhOHJUR0RQYU1NZkREckJiTklMczRMQVlNWEkwT2JnRXhRcndQa0lVQl9uUjh2UFAyRTQyM0c1SmtrSHN2azFzY3hfVDBXaGFJVmVJbFlQUDM0WGZ5ZzJTLXllTzFWVHZyUjRfRnZPQkdzRTBVWERnY2h3Q2R2bWU2ZjV4djdxOWZXS3Nud3U5WnRrMnAwYlNPcVZpRXRxNTRpSjlOZXhqMFJZTkpiZUVqeDJMdVplSGh4NkE3N20zOExLUmRVbFBFNWdj?oc=5) · Independent Mail
- 2025-01-22 [Truliant continues South Carolina push with new branch in Greenville area - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPTlBzM2pud3ZPeUdGNnN3dUhXZ0dXVXhuM3A3dTJtSGswT2hEN0ZjZU1tRS10ajRBU0VoVUhRblk4LThXQ0FUZUpXaWttX2dLOGJoQ0dmWF9GLVpocGpsNXM3Q3JMQTBZWGpLSzlDOGNHRnN2MHBIblJFd0JXcE5DdWhSY2M5LUtPbFpGQ2xXampyZ2trb0dWMjBxYlc2WElCQ2RYcg?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24484 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/36.json (key "24484", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24484
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide