Side-by-side · Q2 2026 data
Utica Police Department Federal Credit Union vs Oneida County 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 | Oneida County Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 73 (stronger) |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 0 | 87 (stronger) |
| Earnings | 25 (stronger) | 20 |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 79 | 98 (stronger) |
| Peer percentile | 11th | 47th |
| Total assets | $6.3M | $13.5M |
| Deposits / shares | $4.4M | $11.8M |
| Capital ratio | 27.62% (stronger) | 12.52% |
| Problem loans | 4.55% | 0.38% (stronger) |
| Net charge-offs | 0.45% | 0.01% (stronger) |
| Return on assets | 0.13% (stronger) | -0.00% |
| Loans ÷ deposits | 100.5% | 38.9% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oneida County Federal Credit Union has the higher TellerScore (73 vs 52). On the 6 directional measures above (where higher or lower is clearly better), Utica Police Department Federal Credit Union leads on 2 and Oneida County Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.