Side-by-side · Q2 2026 data
Utica Police Department Federal Credit Union vs Concord Federal Credit Union
Credit union
Utica Police Department Federal Credit Union
Utica, New York · Under $100 million in assets
Metric by metric
| Measure | Utica Police Department Federal Credit Union | Concord Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 68 (stronger) |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 25 (stronger) | 0 |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 11th | 36th |
| Total assets | $6.3M | $6.9M |
| Deposits / shares | $4.4M | $6.1M |
| Capital ratio | 27.62% (stronger) | 11.14% |
| Problem loans | 4.55% | 0.00% (stronger) |
| Net charge-offs | 0.45% (stronger) | 3.84% |
| Return on assets | 0.13% (stronger) | -2.08% |
| Loans ÷ deposits | 100.5% | 7.2% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Concord Federal Credit Union has the higher TellerScore (68 vs 52). On the 6 directional measures above (where higher or lower is clearly better), Utica Police Department Federal Credit Union leads on 3 and Concord Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.