Credit Union Safety Analysis
Is Utica Gas & Electric Emp Federal Credit Union Safe? New Hartford, New York
Based on its Q2 2026 NCUA 5300 call report, Utica Gas & Electric Emp Federal Credit Union has a net worth ratio of 16.74%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.72%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Utica Gas & Electric Emp Federal Credit Union's net worth ratio is 16.74%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.74%
- Delinquency ratio (60+ days) (Q2 2026): 1.72%
- Return on assets (Q2 2026): 1.63%
- Loan-to-share ratio (Q2 2026): 114.78%
Utica Gas & Electric Emp Federal Credit Union (NCUA charter 2252, established 1937) reported $135.9M in assets and 3,859 members for Q2 2026 from New Hartford, New York. It ranks 77 of 267 credit unions in New York by total assets. Total assets grew 10.4% from $123.1M on June 30, 2025. It has 179 more members than on June 30, 2025 (+4.9%). Its net worth ratio was up 0.12 percentage points from 16.62% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $79.8M of $117.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.72% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 16.61% for Q1 2026; 16.62% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.61% for Q1 2026; 0.54% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.55% for Q1 2026; 1.48% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 116.03% for Q1 2026; 112.90% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $79.8M
- Commercial loans: $12.6M
- New vehicle loans: $8.6M
- Used vehicle loans: $6.2M
- Other unsecured loans and lines of credit: $4.7M
- Other secured non-real estate loans and lines of credit: $2.0M
- Non-federally guaranteed student loans: $1.9M
- Unsecured credit card loans: $1.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $135.9M | 16.74% | 1.72% | 1.63% | 114.78% |
| March 31, 2026 | $133.5M | 16.61% | 1.61% | 1.55% | 116.03% |
| December 31, 2025 | $131.2M | 16.51% | 1.17% | 1.72% | 114.97% |
| September 30, 2025 | $126.7M | 16.66% | 1.07% | 2.01% | 114.46% |
| June 30, 2025 | $123.1M | 16.62% | 0.54% | 1.48% | 112.90% |
| March 31, 2025 | $117.3M | 17.06% | 0.60% | 1.16% | 108.83% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Utica Gas & Electric Emp Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 2252) · FFIEC NIC profile (RSSD 109873)
Frequently asked questions
Is Utica Gas & Electric Emp Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Utica Gas & Electric Emp Federal Credit Union's net worth ratio is 16.74%, above the 7% NCUA threshold for well capitalized.
Is Utica Gas & Electric Emp Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Utica Gas & Electric Emp Federal Credit Union is a federally insured credit union (NCUA charter 2252): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Utica Gas & Electric Emp Federal Credit Union's key safety ratios?
For Q2 2026, Utica Gas & Electric Emp Federal Credit Union reports net worth 16.74%, delinquency 1.72%, ROA 1.63%, loan-to-share 114.78%.
What happens to my money if Utica Gas & Electric Emp Federal Credit Union fails?
For Q2 2026, Utica Gas & Electric Emp Federal Credit Union held $102.3M in shares and deposits for 3,859 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.