Side-by-side · Q2 2026 data
Utica Police Department Federal Credit Union vs G.P.O. 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 | G.P.O. Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 79 (stronger) |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 0 | 87 (stronger) |
| Earnings | 25 | 64 (stronger) |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 79 | 97 (stronger) |
| Peer percentile | 11th | 76th |
| Total assets | $6.3M | $629.8M |
| Deposits / shares | $4.4M | $552.2M |
| Capital ratio | 27.62% (stronger) | 11.70% |
| Problem loans | 4.55% | 0.39% (stronger) |
| Net charge-offs | 0.45% | 0.34% (stronger) |
| Return on assets | 0.13% | 1.11% (stronger) |
| Loans ÷ deposits | 100.5% | 59.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 4.7% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 40.4% |
G.P.O. Federal Credit Union has the higher TellerScore (79 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Utica Police Department Federal Credit Union leads on 2 and G.P.O. Federal Credit Union on 5. 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.