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
- HEALTH 84/100
- NW 16.6%
- DELQ 1.17%
- ROA 1.10%
- ASSETS $131.2M
- MEM 3,762
- RANK #2,071/4,374
- PHOTO FIREFIGHTERS
- BOOK 2252
Call Report peers
Utica Gas & Electric Emp in the assets neighbourhood
Utica Gas & Electric Emp's $131.2M assets sit next to FIREFIGHTERS ($131.2M) 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 Gas & Electric Emp 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
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
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.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Utica Gas & Electric Emp Call Report trajectory
Utica Gas & Electric Emp: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $131.2M (2025Q4) to $133.5M (2026Q1).
- Net-worth ratio shifted +0.10 pp (16.51% → 16.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Utica Gas & Electric Emp's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($131.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- 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 Gas & Electric Emp financially healthy?
A 16.61% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,071 of 4,374; by total assets it ranks #1,592 of 4,374 nationally (same basis as /rankings/largest); and #77 of 272 within New York. 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 16.61% 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.
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.