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.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,014 of 4,374 health · 2025Q4Utica Police Department · health 61/100 · $6.1M · 2025Q4
- RANK 61/100
- PHOTO 27.6%
- BOOK 4.31%
- CHARTER 0.66%
- NCUSIF $6.1M
- CAMELS 610
- HEALTH #4,014/4,374
- NW n/a
- DELQ 2208
Utica Police Department carries $6.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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Utica Police Department 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
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 - 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 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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Utica Police Department's 5300 filing moved
Utica Police Department: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $6.1M (2025Q4) to $6.3M (2026Q1).
- Net-worth ratio shifted -0.92 pp (28.49% → 27.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 61.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Utica Police Department, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (61/100 here).
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
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #4,014 of 4,374; by total assets it ranks #3,791 of 4,374 nationally (same basis as /rankings/largest); and #226 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 27.57% 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 27.57% 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.
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.