TellerScore

Headquartered in Utica, New York, Utica District Telephone Employees Federal Credit Union is a federal credit union with $40.3M in total assets and $28.2M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1956.

Utica District Telephone Employees Federal Credit Union has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 68th. Capital cushion contributes the most (100/100, 31.94%); earnings contributes the least (47/100, 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 31.94%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.83%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity100/100
Loans ÷ shares: 55.0% · 0.3% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.16%

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 12 points (70 → 82), mostly because the loan quality component improved by 34 points.

TellerScore
657482Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202465
Q4 202467
Q1 202571
Q2 202570
Q3 202577
Q4 202569
Q1 202682
Q2 202682
Net worth ratio
7.00%20.16%33.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202432.56%
Q3 202433.31%
Q4 202433.10%
Q1 202532.91%
Q2 202532.39%
Q3 202532.30%
Q4 202532.16%
Q1 202631.99%
Q2 202631.94%
Delinquent loans (60+ days)
0.65%1.65%2.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.13%
Q3 20242.65%
Q4 20242.27%
Q1 20251.80%
Q2 20251.87%
Q3 20251.16%
Q4 20252.04%
Q1 20260.65%
Q2 20260.83%
Return on assets
0.39%0.57%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.67%
Q3 20240.75%
Q4 20240.60%
Q1 20250.44%
Q2 20250.43%
Q3 20250.44%
Q4 20250.39%
Q1 20260.48%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$40.3M31.94%0.83%0.67%55.0%
Q1 202682$40.0M31.99%0.65%0.48%58.1%
Q4 202569$39.7M32.16%2.04%0.39%61.6%
Q3 202577$39.5M32.30%1.16%0.44%65.2%
Q2 202570$39.2M32.39%1.87%0.43%67.0%
Q1 202571$38.5M32.91%1.80%0.44%68.5%
Q4 202467$38.1M33.10%2.27%0.60%70.8%
Q3 202465$37.9M33.31%2.65%0.75%73.4%
Q2 202469$38.5M32.56%2.13%0.67%71.0%

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 ratio31.94%
95th
Problem loans0.83%
45th
Net charge-offs0.34%
36th
Return on assets0.67%
51st
Loans to deposits55.0%
55th
Uninsured deposits0.3%
60th
Loan-loss reserves0.00%
37th
Texas ratio1.2%
63rd

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Deposit insurance

Is my money safe at Utica District Telephone Employees Federal Credit Union?

Yes. Utica District Telephone Employees Federal Credit Union is a federally insured credit union (NCUA charter #11157). 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 0.3% of shares and deposits ($92K) 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 31.94%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Utica District Telephone Employees Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Utica District Telephone Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
11157
RSSD ID
676384
Primary regulator
NCUA
Established
1956
Headquarters
2812 Genesee St, Utica, NY 13502
Employees
6

Quick answers

Utica District Telephone Employees Federal Credit Union: common questions

Is Utica District Telephone Employees Federal Credit Union NCUA insured?

Yes. Utica District Telephone Employees Federal Credit Union is a federally insured credit union (NCUA charter #11157). 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 Utica District Telephone Employees Federal Credit Union's TellerScore?

82 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 Utica District Telephone Employees Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

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
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
Oneida County Federal Credit UnionCredit union Utica, NY73 out of 100, Strong$13.5M12.5%0.38%vs
Utica Gas & Electric Emp Federal Credit UnionCredit union New Hartford, NY73 out of 100, Strong$135.9M16.7%1.72%vs