UPWARD Credit Union Profile

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UPWARD

Charter #65323 | NCUA Region 3 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (650) 231-1300

Fax: (650) 231-1310

Founding Date: N/A

Website: https://www.upwardcu.org

Personnel & Operations

President: Miller, Annie

Manager: Mertz-Prickett, Jason

FT Employees: 13

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: Monday through Thursday 8:30 am to 4:00 pm,

Credit Union Profile Summary

UPWARD is a FISCU Credit Union. With a total of 4,370 members [1], this institution manages approximately $90,100,767 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 10.85% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -0.40% [1].

Financial Snapshot

Total Assets [1]
$90,100,767

Total economic resources.

Total Loans [1]
$49,319,020

Total value of outstanding loans.

Total Deposits [1]
$80,232,492

Total funds deposited by members.

Members [1]
4,370

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.85%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.54%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
61.47%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -8.44%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -0.40%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -3.38%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1860 El Camino Real Ste 100

Burlingame, CA, 94010-3106
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 3 branches reported by UPWARD (Charter #65323).

Main Office

Main Office Main Office

Type: Corporate Office

1860 El Camino Real Ste 100

Burlingame, CA 94010-3106

Phone: (650) 231-1300

Services: Member Services, ATM

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Additional Branches

Redwood City

San Francisco Federal Credit Union

Type: Branch Office

510 Veterans Blvd Ste B

Redwood City, CA 94063

Phone: (650) 366-5522

Services: None specified

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Sequoia Hosipital Branch

Type: Branch Office

170 Alameda de Las Pulgas

Redwood City, CA 94062

Phone: (650) 367-5686

Services: Member Services, ATM

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