Federal credit union · NEW HARTFORD, New York · NCUA charter #2252
Utica Gas & Electric Emp
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $131.2M
- Total assets
- 3,762
- Members
- 16.6%
- Net-worth ratio
Utica Gas & Electric Emp scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $131.2M; members 3,762; net-worth ratio 16.61%; health rank #2,071 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,071 of 4,374 health · 2025Q4Utica Gas & Electric Emp · health 84/100 · $131.2M · 2025Q4
Call Report peers
Utica Gas & Electric Emp in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Utica Gas & Electric Emp vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Utica Gas & Electric Emp sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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 Gas & Electric Emp
- Loan-to-Share Ratio leads the peer set - 114.97% here, 72.20% peer average (+42.77 pp).
- Largest lag: Delinquency Rate at 1.17% vs peer 0.89% (+0.28 pp).
Where Utica Gas & Electric Emp sits in New York
- In New York, health place is #119 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #77 of 272.
- Membership ranks #123 of 272 among New York CUs with a reported count (3,762 members).
- One place up in New York, Niagara Falls Teachers (#118) ties at 84/100; one place down, Greater Chautauqua (#120) ties at 84/100.
Utica Gas & Electric Emp Call Report trajectory
Utica Gas & Electric Emp: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $131.2M (2025Q4) to $133.5M (2026Q1).
- Net-worth ratio shifted +0.10 pp (16.51% → 16.61%).
This credit union's 16.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Utica Gas & Electric Emp gives up 16 points in total. Loan-to-Share Ratio costs the most, 10.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.7 pts
- Return on Assets 15.0 pts
- Member Growth 14.9 pts
- Loan-to-Share Ratio 5.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.61% | +4.50 pp |
| Delinquency Rate | 1.17% | +0.28 pp |
| Return on Assets | 1.10% | +0.47 pp |
| Member Growth | 4.94% | - |
| Loan-to-Share Ratio | 114.97% | +42.77 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Utica Gas & Electric Emp filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $133.5M | - |
| 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
Branch Locations (3)
Utica Gas & Electric Emp operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | New Hartford, NY |
| Ramada | New Hartford, NY |
| Fiserv | Wayne, PA |
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.
Cross-state Call Report peers for Utica Gas & Electric Emp
Similar total assets
Similar health score
Using this data
- Utica Gas & Electric Emp ranks #2,071 of 4,374 nationally on financial health and #119 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UFIRST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UFIRST
Frequently Asked Questions
Is Utica Gas & Electric Emp financially healthy?
Utica Gas & Electric Emp has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,071 of 4,374 nationally on health and #119 of 272 in New York. Its net worth ratio is 16.61% and its delinquency rate 1.17%.
How does Utica Gas & Electric Emp compare to other credit unions?
Utica Gas & Electric Emp scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (114.97% vs 72.20%). Its widest shortfall is delinquency rate (1.17% vs 0.89%).
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?
Utica Gas & Electric Emp 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 Gas & Electric Emp's net worth ratio of 16.61% 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.