Side-by-side · Q2 2026 data
Utica Gas & Electric Emp Federal Credit Union vs First Source Federal Credit Union
Credit union
Utica Gas & Electric Emp Federal Credit Union
New Hartford, New York · $100 million – $1 billion
Credit union
First Source Federal Credit Union
New Hartford, New York · $1 billion – $10 billion
Metric by metric
| Measure | Utica Gas & Electric Emp Federal Credit Union | First Source Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 43 | 66 (stronger) |
| Earnings | 83 (stronger) | 54 |
| Funding & liquidity | 50 | 54 (stronger) |
| Problem-loan coverage | 82 (stronger) | 80 |
| Peer percentile | 60th | 22nd |
| Total assets | $135.9M | $1.1B |
| Deposits / shares | $102.3M | $999.1M |
| Capital ratio | 16.74% (stronger) | 10.29% |
| Problem loans | 1.72% | 1.03% (stronger) |
| Net charge-offs | 0.29% (stronger) | 0.81% |
| Return on assets | 1.58% (stronger) | 0.85% |
| Loans ÷ deposits | 114.8% | 105.9% (stronger) |
| Uninsured deposits | 13.4% | 3.3% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Utica Gas & Electric Emp Federal Credit Union has the higher TellerScore (73 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Utica Gas & Electric Emp Federal Credit Union leads on 4 and First Source Federal Credit Union on 3. 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.