Side-by-side · Q2 2026 data
Bank of Utica vs Special Metals Federal Credit Union
Credit union
Special Metals Federal Credit Union
New Hartford, New York · Under $100 million in assets
Metric by metric
| Measure | Bank of Utica | Special Metals Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 80 (stronger) | 61 |
| Earnings | 100 (stronger) | 3 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 99th | 22nd |
| Total assets | $1.5B | $22.1M |
| Deposits / shares | $1.1B | $19.5M |
| Capital ratio | 26.49% (stronger) | 11.75% |
| Problem loans | 0.59% (stronger) | 1.18% |
| Net charge-offs | 0.01% (stronger) | 1.22% |
| Return on assets | 4.80% (stronger) | -0.42% |
| Loans ÷ deposits | 14.3% (stronger) | 56.2% |
| Uninsured deposits | 34.5% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Utica has the higher TellerScore (92 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Bank of Utica leads on 6 and Special Metals Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.