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
- HEALTH 77/100
- NW 32.0%
- DELQ 2.04%
- ROA 0.57%
- ASSETS $39.7M
- MEM 1,684
- RANK #3,038/4,374
- PHOTO Befit Financial
- BOOK 11157
Call Report peers
Utica District Telephone Employees in the assets neighbourhood
Utica District Telephone Employees's $39.7M assets sit next to Befit Financial ($39.6M) 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.
Utica District Telephone Employees 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
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
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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Utica District Telephone Employees
Utica District Telephone Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $39.7M (2025Q4) to $40.0M (2026Q1).
- Net-worth ratio shifted -0.17 pp (32.16% → 31.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
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).
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
Cross-state asset and health neighbours for Utica District Telephone Employees - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($39.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,038 of 4,374; by total assets it ranks #2,611 of 4,374 nationally (same basis as /rankings/largest); and #145 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 31.99% 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 31.99% 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.
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.