Federal credit union · NEW HARTFORD, New York · NCUA charter #2252
Utica Gas & Electric Emp
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $131.2M
- Total assets
- 3,762
- Members
- 15.9%
- Net-worth ratio
Utica Gas & Electric Emp - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #2252, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Utica Gas & Electric Emp - 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)100
- Asset quality (delinquency)75
- Earnings (ROA)100
- Member growth99
- Liquidity (loan-to-share)33
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.91% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.91% | 30% |
| Delinquency Rate | 1.17% | 25% |
| Return on Assets | 1.10% | 15% |
| Member Growth | 4.94% | 15% |
| Loan-to-Share Ratio | 114.97% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $131.2M | 3,762 |
| 2024Q4 | $116.9M | 3,585 |
| 2023Q4 | $105.4M | 3,447 |
Credit Union Details
- Charter Number
- 2252
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- NEW HARTFORD
- Data Quarter
- 2025Q4
What This Data Says About Utica Gas & Electric Emp
Headquartered in NEW HARTFORD, New York, Utica Gas & Electric Emp is a federal credit union with 3,762 members, $131.2M in total assets, and $111.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 84/100 (Excellent), driven in part by a net worth ratio of 15.91% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #2252 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 1.17% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers - and a 114.97% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.10% on net income of $1.4M 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 4.94%. 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.
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.
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 Gas & Electric Emp financially healthy?
A 15.91% net worth ratio and a 1.17% delinquency rate feed into Utica Gas & Electric Emp's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Utica Gas & Electric Emp compare to other credit unions?
Utica Gas & Electric Emp scores 84/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Utica Gas & Electric Emp?
Utica Gas & Electric Emp 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 Gas & Electric Emp directly for the exact boundaries and application steps.
Is my money safe at Utica Gas & Electric Emp?
Federal credit unions like Utica Gas & Electric Emp 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 Gas & Electric Emp's net worth ratio of 15.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Utica Gas & Electric Emp offer compared to banks?
Credit unions like Utica Gas & Electric Emp 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 Gas & Electric Emp 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.