TellerScore

Utica Gas & Electric Emp Federal Credit Union (NCUA charter #2252) is based in New Hartford, New York. Its Q2 2026 call report shows $135.9M in total assets and $102.3M in member shares and deposits and 3 offices across 2 states.

Utica Gas & Electric Emp Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 114th. Capital cushion contributes the most (100/100, 16.74%); loan quality contributes the least (43/100, 1.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.74%
Loan quality43/100
Loans 60+ days delinquent ÷ total loans: 1.72%
Earnings83/100
Return on assets (annualized): 1.58%
Funding & liquidity50/100
Loans ÷ shares: 114.8% · 13.4% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.90%

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 fell 9 points (82 → 73), mostly because the loan quality component weakened by 39 points.

TellerScore
737882Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202478
Q4 202481
Q1 202580
Q2 202582
Q3 202578
Q4 202578
Q1 202674
Q2 202673
Net worth ratio
7.00%12.03%17.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.91%
Q3 202416.76%
Q4 202416.84%
Q1 202517.06%
Q2 202516.62%
Q3 202516.66%
Q4 202516.51%
Q1 202616.61%
Q2 202616.74%
Delinquent loans (60+ days)
0.54%1.13%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.19%
Q3 20240.81%
Q4 20240.59%
Q1 20250.60%
Q2 20250.54%
Q3 20251.07%
Q4 20251.17%
Q1 20261.61%
Q2 20261.72%
Return on assets
0.99%1.29%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.99%
Q3 20241.15%
Q4 20241.23%
Q1 20251.16%
Q2 20251.29%
Q3 20251.51%
Q4 20251.52%
Q1 20261.55%
Q2 20261.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$135.9M16.74%1.72%1.58%114.8%
Q1 202674$133.5M16.61%1.61%1.55%116.0%
Q4 202578$131.2M16.51%1.17%1.52%115.0%
Q3 202578$126.7M16.66%1.07%1.51%114.5%
Q2 202582$123.1M16.62%0.54%1.29%112.9%
Q1 202580$117.3M17.06%0.60%1.16%108.8%
Q4 202481$116.9M16.84%0.59%1.23%109.6%
Q3 202478$114.7M16.76%0.81%1.15%108.2%
Q2 202474$111.1M16.91%1.19%0.99%104.6%

1,341 peers · $100 million – $1 billion

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 ratio16.74%
92nd
Problem loans1.72%
9th
Net charge-offs0.29%
58th
Return on assets1.58%
91st
Loans to deposits114.8%
0th
Uninsured deposits13.4%
7th
Loan-loss reserves0.00%
50th
Texas ratio8.9%
16th

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Deposit insurance

Is my money safe at Utica Gas & Electric Emp Federal Credit Union?

Yes. Utica Gas & Electric Emp Federal Credit Union is a federally insured credit union (NCUA charter #2252). 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 13.4% of shares and deposits ($13.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.74%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Utica Gas & Electric Emp Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Utica Gas & Electric Emp Federal Credit Union
Type
Federal credit union
NCUA charter #
2252
RSSD ID
109873
Primary regulator
NCUA
Established
1937
Headquarters
215 Old Campion Rd, New Hartford, NY 13413
Employees
9

Quick answers

Utica Gas & Electric Emp Federal Credit Union: common questions

Is Utica Gas & Electric Emp Federal Credit Union NCUA insured?

Yes. Utica Gas & Electric Emp Federal Credit Union is a federally insured credit union (NCUA charter #2252). 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 Gas & Electric Emp 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 Utica Gas & Electric Emp Federal Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near New Hartford

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
Oneida County Federal Credit UnionCredit union Utica, NY73 out of 100, Strong$13.5M12.5%0.38%vs