Oneida County

UTICA, NY · 1 · Charter #13102 · www.oneidacfcu.org
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
$13.8M
51th percentile
Members
1,506
52th percentile
Total loans
$4.7M
42th percentile
Total shares
$12.0M
52th percentile

Profitability

Return on assets
0.29%
27th percentile
Net interest margin
3.13%
22th percentile
Efficiency ratio
80.27%
23th percentile
Non-interest income ratio
14.92%
69th percentile

Capital & Risk

Net worth ratio
12.30%
32th percentile
Delinquency rate
0.09%
78th percentile
Net charge-off rate
0.12%
59th percentile
Loan-to-share
39.03%
20th percentile

Growth

Member growth YoY
-3.21%
31th percentile
Asset growth YoY
-0.77%
37th percentile
Loan growth YoY
-8.66%
28th percentile
Share growth YoY
-2.03%
35th percentile

Operations

Members / branch
753
35th percentile
Assets / member
$9,146
49th percentile
Field of membership penetration
50.20%
67th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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