Side-by-side · Q2 2026 data
Utica Gas & Electric Emp Federal Credit Union vs Access Federal Credit Union
Credit union
Utica Gas & Electric Emp Federal Credit Union
New Hartford, New York · $100 million – $1 billion
Metric by metric
| Measure | Utica Gas & Electric Emp Federal Credit Union | Access Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 43 | 70 (stronger) |
| Earnings | 83 (stronger) | 74 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 82 | 91 (stronger) |
| Peer percentile | 60th | 51st |
| Total assets | $135.9M | $320.1M |
| Deposits / shares | $102.3M | $287.6M |
| Capital ratio | 16.74% (stronger) | 9.40% |
| Problem loans | 1.72% | 0.89% (stronger) |
| Net charge-offs | 0.29% | 0.04% (stronger) |
| Return on assets | 1.58% (stronger) | 1.35% |
| Loans ÷ deposits | 114.8% | 53.5% (stronger) |
| Uninsured deposits | 13.4% | 7.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.4% |
Utica Gas & Electric Emp Federal Credit Union has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Utica Gas & Electric Emp Federal Credit Union leads on 3 and Access Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.