Side-by-side · Q2 2026 data
Bank of Utica vs Utica District Telephone Employees Federal Credit Union
Credit union
Utica District Telephone Employees Federal Credit Union
Utica, New York · Under $100 million in assets
Metric by metric
| Measure | Bank of Utica | Utica District Telephone Employees Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 82 |
| Capital cushion | 100 | 100 |
| Loan quality | 80 (stronger) | 72 |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 99th | 70th |
| Total assets | $1.5B | $40.3M |
| Deposits / shares | $1.1B | $28.2M |
| Capital ratio | 26.49% | 31.94% (stronger) |
| Problem loans | 0.59% (stronger) | 0.83% |
| Net charge-offs | 0.01% (stronger) | 0.34% |
| Return on assets | 4.80% (stronger) | 0.67% |
| Loans ÷ deposits | 14.3% (stronger) | 55.0% |
| Uninsured deposits | 34.5% | 0.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Utica has the higher TellerScore (92 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Bank of Utica leads on 5 and Utica District Telephone Employees Federal Credit Union on 2. 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.