Utica, New York · Peer group 3
Oneida County Credit Union
Oneida County Credit Union holds $13.8M in assets across 1,488 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1959. Charter number 13102, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $13.8M |
|---|---|
| Total loans | $4.5M |
| Total shares (deposits) | $12.1M |
| Net worth | $1.7M |
| Members | 1,488 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -5.1% | |
|---|---|---|
| Loans | -6.8% | around the 29th percentile of its peer group |
| Deposits | -6.1% | lower than 90% of its peer group |
| Members | -3.1% | around the 30th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 37.1% | around the 17th percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.1% | around the 38th percentile of its peer group |
| Return on assets | -0.54% | lower than 90% of its peer group |
| Delinquency ratio | 0.14% | around the 25th percentile of its peer group |
| Cash / assets | 11.6% | around the 52nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Oneida County Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Afgm Enterprises Credit Union
Cheektowaga, NY
$13.6M · 1,199 members
- Niagara Falls Teachers Credit Union
Niagara Falls, NY
$13.5M · 1,473 members
- Transfiguration Parish Credit Union
BROOKLYN, NY
$13.2M · 2,181 members
- Greece Community Credit Union
ROCHESTER, NY
$12.9M · 1,341 members
- Dunlop Employees Credit Union
Buffalo, NY
$14.9M · 1,469 members
- Tompkins Employees Credit Union
Ithaca, NY
$12.5M · 782 members
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