Utica Gas & Electric Emp

NEW HARTFORD, NY · 1 · Charter #2252 · www.ugefcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$131.2M
64th percentile
Members
3,762
12th percentile
Total loans
$111.9M
82th percentile
Total shares
$97.4M
54th percentile

Profitability

Return on assets
1.07%
52th percentile
Net interest margin
2.70%
10th percentile
Efficiency ratio
28.90%
98th percentile
Non-interest income ratio
8.14%
9th percentile

Capital & Risk

Net worth ratio
16.51%
84th percentile
Delinquency rate
1.17%
26th percentile
Net charge-off rate
0.10%
84th percentile
Loan-to-share
114.97%
99th percentile

Growth

Member growth YoY
4.94%
92th percentile
Asset growth YoY
12.26%
93th percentile
Loan growth YoY
14.80%
94th percentile
Share growth YoY
9.40%
86th percentile

Operations

Members / branch
3,762
65th percentile
Assets / member
$34,872
98th percentile
Field of membership penetration
41.02%
86th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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