Utica District Telephone Employees

UTICA, NY · 1 · Charter #11157 · WWW.UTELFCU.NET
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$39.7M
89th percentile
Members
1,684
57th percentile
Total loans
$17.0M
83th percentile
Total shares
$27.6M
80th percentile

Profitability

Return on assets
0.65%
43th percentile
Net interest margin
3.04%
20th percentile
Efficiency ratio
62.14%
60th percentile
Non-interest income ratio
6.41%
39th percentile

Capital & Risk

Net worth ratio
32.16%
94th percentile
Delinquency rate
2.04%
24th percentile
Net charge-off rate
0.43%
36th percentile
Loan-to-share
61.62%
51th percentile

Growth

Member growth YoY
-1.35%
50th percentile
Asset growth YoY
4.05%
68th percentile
Loan growth YoY
-8.19%
30th percentile
Share growth YoY
5.42%
77th percentile

Operations

Members / branch
1,684
70th percentile
Assets / member
$23,545
98th percentile
Field of membership penetration
64.77%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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