Side-by-side · Q2 2026 data
Utica District Telephone Employees Federal Credit Union vs Rt Federal Credit Union
Credit union
Utica District Telephone Employees Federal Credit Union
Utica, New York · Under $100 million in assets
Metric by metric
| Measure | Utica District Telephone Employees Federal Credit Union | Rt Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 72 | 84 (stronger) |
| Earnings | 47 (stronger) | 4 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 70th | 26th |
| Total assets | $40.3M | $59.2M |
| Deposits / shares | $28.2M | $52.6M |
| Capital ratio | 31.94% (stronger) | 10.59% |
| Problem loans | 0.83% | 0.49% (stronger) |
| Net charge-offs | 0.34% | -0.02% (stronger) |
| Return on assets | 0.67% (stronger) | -0.39% |
| Loans ÷ deposits | 55.0% | 42.1% (stronger) |
| Uninsured deposits | 0.3% (stronger) | 4.2% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Utica District Telephone Employees Federal Credit Union has the higher TellerScore (82 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Utica District Telephone Employees Federal Credit Union leads on 4 and Rt Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.