Federal credit union · UTICA, New York · NCUA charter #11157

Utica District Telephone Employees

Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.

77
Health / 100
$39.7M
Total assets
1,684
Members
32.2%
Net-worth ratio

Utica District Telephone Employees - Share Insurance Coverage

Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #11157. See our deposit-insurance coverage note.

NCUSIF coverage gauge for Utica District Telephone Employees Share insurance under NCUSIF covers up to $250,000 per share owner. Utica District Telephone Employees holds approximately $27.6M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 30.0 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 30.0% · $27.6M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Utica District Telephone Employees - Five Health Pillars

The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.

  • Capital (net worth ratio) 32.16% 30% weight
  • Asset quality (delinquency) 2.04% 25% weight
  • Earnings (ROA) 0.57% 15% weight
  • Member growth -1.35% 15% weight
  • Liquidity (loan-to-share) 62% 15% weight

Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

This credit union's 32.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$39.7M
Total Assets
1,684
Members
$17.0M
Total Loans
$27.6M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 32.16% 30%
Delinquency Rate 2.04% 25%
Return on Assets 0.57% 15%
Member Growth -1.35% 15%
Loan-to-Share Ratio 61.62% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About Utica District Telephone Employees

Charter #11157, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Utica District Telephone Employees, a federal credit union in UTICA, New York with 1,684 members, $39.7M in total assets, and $17.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 77/100 (Very Good), helped by a net worth ratio of 32.16% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.

Loan book quality rounds out the picture. The delinquency rate of 2.04% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 61.62% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.57% on net income of $228K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by -1.35%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.

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Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Utica District Telephone Employees financially healthy?

Yes/no aside, the number is 77/100 (Very Good) - Utica District Telephone Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 32.16% net worth ratio and 2.04% delinquency rate are the key drivers.

How does Utica District Telephone Employees compare to other credit unions?

77/100 is Utica District Telephone Employees's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?

Federal credit unions like Utica District Telephone Employees 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. Utica District Telephone Employees's net worth ratio of 32.16% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Utica District Telephone Employees offer compared to banks?

Credit unions like Utica District Telephone Employees 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 Utica District Telephone Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology - how this data is sourced, computed, and verified.

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.