TellerScore

Headquartered in Utica, New York, Oneida County Federal Credit Union is a federal credit union with $13.5M in total assets and $11.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1959.

Oneida County Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 118th. Funding & liquidity contributes the most (100/100, 39% loans-to-deposits, 0% uninsured); earnings contributes the least (20/100, -0.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.52%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings20/100
Return on assets (annualized): -0.00%
Funding & liquidity100/100
Loans ÷ shares: 38.9% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.03%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (70 → 73), mostly because the capital cushion component improved by 14 points.

TellerScore
637178Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202469
Q4 202470
Q1 202563
Q2 202570
Q3 202575
Q4 202578
Q1 202670
Q2 202673
Net worth ratio
7.00%9.76%12.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.54%
Q3 202411.17%
Q4 202411.83%
Q1 202511.16%
Q2 202511.10%
Q3 202511.87%
Q4 202512.30%
Q1 202612.13%
Q2 202612.52%
Delinquent loans (60+ days)
0.06%0.32%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.06%
Q3 20240.42%
Q4 20240.43%
Q1 20250.59%
Q2 20250.16%
Q3 20250.14%
Q4 20250.09%
Q1 20260.14%
Q2 20260.38%
Return on assets
-0.54%-0.08%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.15%
Q3 20240.05%
Q4 2024-0.02%
Q1 2025-0.48%
Q2 2025-0.07%
Q3 20250.26%
Q4 20250.38%
Q1 2026-0.54%
Q2 2026-0.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$13.5M12.52%0.38%-0.00%38.9%
Q1 202670$13.8M12.13%0.14%-0.54%37.1%
Q4 202578$13.8M12.30%0.09%0.38%39.0%
Q3 202575$14.1M11.87%0.14%0.26%37.7%
Q2 202570$14.7M11.10%0.16%-0.07%36.5%
Q1 202563$14.6M11.16%0.59%-0.48%37.4%
Q4 202470$13.9M11.83%0.43%-0.02%41.9%
Q3 202469$14.8M11.17%0.42%0.05%39.7%
Q2 202474$14.3M11.54%0.06%0.15%41.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.52%
36th
Problem loans0.38%
64th
Net charge-offs0.01%
68th
Return on assets-0.00%
19th
Loans to deposits38.9%
80th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.0%
65th

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Deposit insurance

Is my money safe at Oneida County Federal Credit Union?

Yes. Oneida County Federal Credit Union is a federally insured credit union (NCUA charter #13102). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.52%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Oneida County Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Oneida County Federal Credit Union
Type
Federal credit union
NCUA charter #
13102
RSSD ID
689487
Primary regulator
NCUA
Established
1959
Headquarters
800 Park Ave, Utica, NY 13501
Employees
3

Quick answers

Oneida County Federal Credit Union: common questions

Is Oneida County Federal Credit Union NCUA insured?

Yes. Oneida County Federal Credit Union is a federally insured credit union (NCUA charter #13102). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Oneida County Federal Credit Union's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Oneida County Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Utica

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of UticaBank Utica, NY92 out of 100, Very strong$1.5B26.5%0.59%vs
Remington Federal Credit UnionCredit union Ilion, NY88 out of 100, Very strong$59.9M15.1%0.76%vs
Utica District Telephone Employees Federal Credit UnionCredit union Utica, NY82 out of 100, Strong$40.3M31.9%0.83%vs
Mohawk Valley Federal Credit UnionCredit union Marcy, NY80 out of 100, Strong$61.9M12.9%0.86%vs
G.P.O. Federal Credit UnionCredit union New Hartford, NY79 out of 100, Strong$629.8M11.7%0.39%vs
Utica Gas & Electric Emp Federal Credit UnionCredit union New Hartford, NY73 out of 100, Strong$135.9M16.7%1.72%vs