Federal credit union · UTICA, New York · NCUA charter #2208
Utica Police Department
Health score 61/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $6.1M
- Total assets
- 610
- Members
- 26.4%
- Net-worth ratio
Utica Police Department - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2208 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Utica Police Department - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth44
- Liquidity (loan-to-share)60
Weighted composite: 61/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
26.40% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 26.40% | 30% |
| Delinquency Rate | 4.31% | 25% |
| Return on Assets | 0.66% | 15% |
| Member Growth | -1.29% | 15% |
| Loan-to-Share Ratio | 104.13% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Utica Police Department
610 members and $6.1M in total assets sit behind Utica Police Department, a federal credit union in UTICA, New York, which posts a health score of 61/100 (Good) on the five-factor composite, with $4.4M in outstanding loans as of Q4 2025 and a net worth ratio of 26.40% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #2208 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
4.31% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Deposit deployment is captured by the 104.13% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.66% on net income of $40K 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 -1.29%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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–$10M80Health
- TRANSIT AUTHORITY DIVISION BNew York, NY · $2M–$10M59Health
- WATERTOWN POSTALWATERTOWN, NY · $2M–$10M77Health
- SCHENECTADY COUNTY EMPLOYEESSchenectady, NY · $2M–$10M53Health
- GENERATIONS UNITEDNew York, NY · $2M–$10M67Health
Compare Utica Police Department vs GRIFFITH INSTITUTE EMPLOYEES
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 Police Department financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Utica Police Department carries a financial health score of 61/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 26.40% net worth ratio and a 4.31% delinquency rate.
How does Utica Police Department compare to other credit unions?
61/100 is Utica Police Department's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Utica Police Department 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 Police Department's net worth ratio of 26.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Utica Police Department offer compared to banks?
Credit unions like Utica Police Department 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 Police Department 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.