Federal credit union · UTICA, New York · NCUA charter #2208
Utica Police Department
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $6.1M
- Total assets
- 610
- Members
- 27.6%
- Net-worth ratio
Utica Police Department scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.1M; members 610; net-worth ratio 27.57%; health rank #4,014 of 4,374; healthier than 8th of scored peers.
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Utica Police Department vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Utica Police Department sits in 60-64 with 179 others.
61 8th percentile higher than 8% 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 Police Department vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 104.13% here, 63.60% peer average (+40.53 pp).
- Widest shortfall vs peers is Delinquency Rate: +2.50 pp (4.31% vs 1.81%).
Utica Police Department: in-state Call Report ranks
- In New York, health place is #239 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #226 of 272.
- Membership ranks #230 of 272 among New York CUs with a reported count (610 members).
- One place up in New York, Ever $ Green (#238) scores 62/100, 1 point higher; one place down, Port Washington (#240) ties at 61/100.
How Utica Police Department's 5300 filing moved
Utica Police Department: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $6.1M (2025Q4) to $6.3M (2026Q1).
- Net-worth ratio shifted -0.92 pp (28.49% → 27.57%).
27.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 61/100 score is built
Utica Police Department gives up 39 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 9.3 pts
Utica Police Department vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.57% | +8.51 pp |
| Delinquency Rate | 4.31% | +2.50 pp |
| Return on Assets | 0.66% | +0.21 pp |
| Member Growth | -1.29% | - |
| Loan-to-Share Ratio | 104.13% | +40.53 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.3M | - |
| 2025Q4 | $6.1M | 610 |
| 2024Q4 | $5.9M | 618 |
| 2023Q4 | $6.4M | 622 |
Credit Union Details
- Charter Number
- 2208
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- New York
- City
- UTICA
- Data Quarter
- 2025Q4
Branch Location
Utica Police Department operates a single office in utica, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| utica police dept. fcu (Main Office) | utica, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
- GRIFFITH INSTITUTE EMPLOYEESSpringville, NY · $2M–$10M81Health
- TRANSIT AUTHORITY DIVISION BNew York, NY · $2M–$10M59Health
- WATERTOWN POSTALWATERTOWN, NY · $2M–$10M77Health
- SCHENECTADY COUNTY EMPLOYEESSchenectady, NY · $2M–$10M63Health
- GENERATIONS UNITEDNew York, NY · $2M–$10M67Health
Compare Utica Police Department vs GRIFFITH INSTITUTE EMPLOYEES
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Similar health score
Using this data
- Utica Police Department ranks #4,014 of 4,374 nationally on financial health and #239 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Griffith Institute Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Griffith Institute Employees
Frequently Asked Questions
Is Utica Police Department financially healthy?
Utica Police Department has a financial health score of 61/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,014 of 4,374 nationally on health and #239 of 272 in New York. Its net worth ratio is 27.57% and its delinquency rate 4.31%.
How does Utica Police Department compare to other credit unions?
Utica Police Department scores 61/100, higher than 8% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (104.13% vs 63.60%). Its widest shortfall is delinquency rate (4.31% vs 1.81%).
How can I join Utica Police Department?
Utica Police Department carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Utica Police Department directly to confirm current membership steps.
Is my money safe at Utica Police Department?
Utica Police Department 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 Police Department's net worth ratio of 27.57% 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.