Side-by-side · Q2 2026 data
Utica Gas & Electric Emp Federal Credit Union vs Americu 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 | Americu Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 48 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 43 (stronger) | 37 |
| Earnings | 83 (stronger) | 47 |
| Funding & liquidity | 50 | 63 (stronger) |
| Problem-loan coverage | 82 (stronger) | 65 |
| Peer percentile | 60th | 4th |
| Total assets | $135.9M | $3.0B |
| Deposits / shares | $102.3M | $2.7B |
| Capital ratio | 16.74% (stronger) | 9.56% |
| Problem loans | 1.72% (stronger) | 1.89% |
| Net charge-offs | 0.29% (stronger) | 0.95% |
| Return on assets | 1.58% (stronger) | 0.69% |
| Loans ÷ deposits | 114.8% | 96.8% (stronger) |
| Uninsured deposits | 13.4% | 10.3% (stronger) |
| Offices | 3 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.4% |
Utica Gas & Electric Emp Federal Credit Union has the higher TellerScore (73 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Utica Gas & Electric Emp Federal Credit Union leads on 5 and Americu 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.