Side-by-side · Q2 2026 data
Utica Gas & Electric Emp Federal Credit Union vs Oneida County 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 | Oneida County Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 43 | 87 (stronger) |
| Earnings | 83 (stronger) | 20 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 82 | 98 (stronger) |
| Peer percentile | 60th | 47th |
| Total assets | $135.9M | $13.5M |
| Deposits / shares | $102.3M | $11.8M |
| Capital ratio | 16.74% (stronger) | 12.52% |
| Problem loans | 1.72% | 0.38% (stronger) |
| Net charge-offs | 0.29% | 0.01% (stronger) |
| Return on assets | 1.58% (stronger) | -0.00% |
| Loans ÷ deposits | 114.8% | 38.9% (stronger) |
| Uninsured deposits | 13.4% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Utica Gas & Electric Emp Federal Credit Union leads on 2 and Oneida County Federal Credit Union on 4. 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.