Federal credit union · UTICA, New York · NCUA charter #11157
Utica District Telephone Employees
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $39.7M
- Total assets
- 1,684
- Members
- 32.0%
- Net-worth ratio
Utica District Telephone Employees scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.7M; members 1,684; net-worth ratio 31.99%; health rank #3,038 of 4,374; healthier than 28th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,038 of 4,374 health · 2025Q4Utica District Telephone · health 77/100 · $39.7M · 2025Q4
Call Report peers
Utica District Telephone Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Utica District Telephone Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Utica District Telephone Employees sits in 75-79 with 502 others.
77 28th percentile higher than 28% 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
Peer-gap read for Utica District Telephone Employees
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +17.13 pp (31.99% vs 14.86%).
- Largest lag: Delinquency Rate at 2.04% vs peer 1.15% (+0.89 pp).
New York standing for Utica District Telephone Employees
- Health composite ranks #173 of 272 among scored New York credit unions.
- By total assets, Utica District Telephone Employees is #145 of 272 in New York.
- New York membership ordinal: #190 of 272.
- One place up in New York, Gates Chili (#172) scores 78/100, 1 point higher; one place down, M. C. T. (#174) ties at 77/100.
Quarter path for Utica District Telephone Employees
Utica District Telephone Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $39.7M (2025Q4) to $40.0M (2026Q1).
- Net-worth ratio shifted -0.17 pp (32.16% → 31.99%).
This credit union's 31.99% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Utica District Telephone Employees gives up 23 points in total. Delinquency Rate costs the most, 12.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.3 pts
- Return on Assets 15.0 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 13.1 pts
Call Report ratios for Utica District Telephone Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 31.99% | +17.13 pp |
| Delinquency Rate | 2.04% | +0.89 pp |
| Return on Assets | 0.57% | -0.13 pp |
| Member Growth | -1.35% | - |
| Loan-to-Share Ratio | 61.62% | +1.82 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Utica District Telephone Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.0M | - |
| 2025Q4 | $39.7M | 1,684 |
| 2024Q4 | $38.1M | 1,707 |
| 2023Q4 | $38.0M | 1,736 |
Credit Union Details
- Charter Number
- 11157
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- UTICA
- Data Quarter
- 2025Q4
Branch Locations (2)
Utica District Telephone Employees operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CREDIT UNION LOT (Main Office) | UTICA, NY |
| fiserv | Frisco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
- ITALO-AMERICANGlendale, NY · $10M–$50M95Health
- WESTCHESTER SCHOOLS'Rye Brook, NY · $10M–$50M91Health
- PARKS HERITAGEGLENS FALLS, NY · $10M–$50M85Health
- TWIN RIVERSMassena, NY · $10M–$50M81Health
- AMHERSTAMHERST, NY · $10M–$50M89Health
Compare Utica District Telephone Employees vs ITALO-AMERICAN
Other-state peers near Utica District Telephone Employees
Using this data
- Utica District Telephone Employees ranks #3,038 of 4,374 nationally on financial health and #173 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ITALO-AMERICAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ITALO-AMERICAN
Frequently Asked Questions
Is Utica District Telephone Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Utica District Telephone Employees scores 77/100 (Very Good), with a 31.99% net worth ratio and 2.04% of loans delinquent. It ranks #3,038 of 4,374 nationally on health and #173 of 272 in New York.
How does Utica District Telephone Employees compare to other credit unions?
Utica District Telephone Employees scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (31.99% vs 14.86%). Its widest shortfall is delinquency rate (2.04% vs 1.15%).
How can I join Utica District Telephone Employees?
Utica District Telephone Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Utica District Telephone Employees directly for the exact boundaries and application steps.
Is my money safe at Utica District Telephone Employees?
Utica District Telephone Employees 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. Utica District Telephone Employees's net worth ratio of 31.99% 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.