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
Call Report peers
Oneida County in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Oneida County sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New York, CHEN-DEL-O (#201) ties at 72/100; one place down, Local 804 (#203) scores 71/100, 1 point lower.
Quarter path for Oneida County
Oneida County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $13.8M (2025Q4) to $13.8M (2026Q1).
- Net-worth ratio shifted -0.17 pp (12.30% → 12.13%).
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
Oneida County gives up 28 points in total. Member Growth costs the most, 11.8 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Oneida County financially healthy?
On its 2025Q4 NCUA 5300 filing, Oneida County scores 72/100 (Very Good), with a 12.13% net worth ratio and 0.09% of loans delinquent. It ranks #3,469 of 4,374 nationally on health and #202 of 272 in New York.
How does Oneida County compare to other credit unions?
Oneida County scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.09% vs 1.15%). Its widest shortfall is loan-to-share ratio (39.03% vs 59.80%).
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?
Oneida County is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.