Federal credit union · UTICA, New York · NCUA charter #13102
Oneida County
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $13.8M
- Total assets
- 1,506
- Members
- 12.1%
- Net-worth ratio
Oneida County scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.8M; members 1,506; net-worth ratio 12.13%; health rank #3,469 of 4,374; healthier than 20th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,469 of 4,374 health · 2025Q4Oneida County · health 72/100 · $13.8M · 2025Q4
- CAMELS 72/100
- HEALTH 12.1%
- NW 0.09%
- DELQ -0.02%
- ROA $13.8M
- ASSETS 1,506
- MEM #3,469/4,374
- RANK CCE
- PHOTO 13102
Call Report peers
Oneida County in the assets neighbourhood
Oneida County's $13.8M assets sit next to CCE ($13.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Oneida County vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Oneida County - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13102. See our deposit-insurance coverage note.
Where Oneida County diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.09% vs peer 1.15% (-1.05 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.77 pp (39.03% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Oneida County: in-state Call Report ranks
- New York health ordinal: #202 of 272.
- Assets rank #199 of 272 inside New York ($13.8M reported).
- Member book place in New York: #197 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Oneida County
Oneida County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $13.8M (2025Q4) to $13.8M (2026Q1).
- Net-worth ratio shifted -0.17 pp (12.30% → 12.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.13% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.3 pts
- Member Growth 3.2 pts
- Loan-to-Share Ratio 9.5 pts
Call Report ratios for Oneida County
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.13% | -2.73 pp |
| Delinquency Rate | 0.09% | -1.05 pp |
| Return on Assets | -0.02% | -0.72 pp |
| Member Growth | -3.21% | - |
| Loan-to-Share Ratio | 39.03% | -20.77 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.8M | - |
| 2025Q4 | $13.8M | 1,506 |
| 2024Q4 | $13.9M | 1,556 |
| 2023Q4 | $14.4M | 1,610 |
Credit Union Details
- Charter Number
- 13102
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- UTICA
- Data Quarter
- 2025Q4
Branch Location
Oneida County operates a single office in Utica, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Oneida County Federal Federal Credit Union (Main Office) | Utica, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Oneida County's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- Oneida County ranks #3,469 of 4,374 nationally on financial health and #202 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Transfiguration Parish is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Transfiguration Parish
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Oneida County financially healthy?
A 12.13% net worth ratio and a 0.09% delinquency rate feed into Oneida County's financial health score of 72/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,469 of 4,374; by total assets it ranks #3,372 of 4,374 nationally (same basis as /rankings/largest); and #199 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Oneida County compare to other credit unions?
PlainCU's health composite puts Oneida County at 72/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Oneida County?
Oneida County serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Oneida County directly for the current list of qualifying groups.
Is my money safe at Oneida County?
Federal credit unions like Oneida County are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Oneida County's net worth ratio of 12.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Oneida County offer compared to banks?
Credit unions like Oneida County are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Oneida County directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.