TellerScore

Utica Police Department Federal Credit Union is a federal credit union headquartered in Utica, New York, in business for about 89 years. At the end of Q2 2026 it reported $6.3M in total assets and $4.4M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Utica Police Department Federal Credit Union scores 52/100, which we describe as below average. That is higher than only 11% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 237th. Its strongest component is capital cushion (100/100; 27.62%), and its lowest is loan quality (0/100; 4.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 27.62%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.55%
Earnings25/100
Return on assets (annualized): 0.13%
Funding & liquidity60/100
Loans ÷ shares: 100.5% · 0.0% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.64%

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 4 points (56 → 52), mostly because the earnings component weakened by 26 points.

TellerScore
515864Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202451
Q4 202454
Q1 202556
Q2 202556
Q3 202555
Q4 202557
Q1 202664
Q2 202652
Net worth ratio
7.00%17.88%28.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202427.38%
Q3 202428.43%
Q4 202428.51%
Q1 202528.49%
Q2 202528.76%
Q3 202527.93%
Q4 202528.49%
Q1 202627.57%
Q2 202627.62%
Delinquent loans (60+ days)
1.92%4.40%6.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20245.34%
Q3 20246.07%
Q4 20245.62%
Q1 20256.89%
Q2 20256.44%
Q3 20255.07%
Q4 20254.31%
Q1 20261.92%
Q2 20264.55%
Return on assets
0.13%0.52%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.29%
Q4 20240.68%
Q1 20250.90%
Q2 20250.77%
Q3 20250.56%
Q4 20250.80%
Q1 20260.21%
Q2 20260.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$6.3M27.62%4.55%0.13%100.5%
Q1 202664$6.3M27.57%1.92%0.21%95.3%
Q4 202557$6.1M28.49%4.31%0.80%104.1%
Q3 202555$6.1M27.93%5.07%0.56%101.1%
Q2 202556$5.9M28.76%6.44%0.77%103.1%
Q1 202556$5.9M28.49%6.89%0.90%106.5%
Q4 202454$5.9M28.51%5.62%0.68%111.1%
Q3 202451$5.9M28.43%6.07%0.29%113.7%
Q2 202451$6.1M27.38%5.34%0.30%114.4%

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 ratio27.62%
92nd
Problem loans4.55%
7th
Net charge-offs0.45%
29th
Return on assets0.13%
25th
Loans to deposits100.5%
3rd
Uninsured deposits0.0%
81st
Loan-loss reserves3.72%
94th
Texas ratio10.6%
12th

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Deposit insurance

Is my money safe at Utica Police Department Federal Credit Union?

Yes. Utica Police Department Federal Credit Union is a federally insured credit union (NCUA charter #2208). 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 27.62%, 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

Utica Police Department Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Utica Police Department Federal Credit Union
Type
Federal credit union
NCUA charter #
2208
RSSD ID
43472
Primary regulator
NCUA
Established
1937
Headquarters
Utica Police Dept.Fcu, 413 Oriskany, Utica, NY 13502
Employees
2

Quick answers

Utica Police Department Federal Credit Union: common questions

Is Utica Police Department Federal Credit Union NCUA insured?

Yes. Utica Police Department Federal Credit Union is a federally insured credit union (NCUA charter #2208). 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 Police Department Federal Credit Union's TellerScore?

52 out of 100 (Below average), 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 Police Department 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
Oneida County Federal Credit UnionCredit union Utica, NY73 out of 100, Strong$13.5M12.5%0.38%vs