New Hartford, New York · Peer group 5
Utica Gas & Electric Emp Credit Union
Utica Gas & Electric Emp Credit Union holds $133.5M in assets across 3,803 members as of Q1 2026 — about $35K of assets per member, on a charter dating to 1937. Charter number 2252, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $133.5M |
|---|---|
| Total loans | $114.2M |
| Total shares (deposits) | $98.4M |
| Net worth | $22.2M |
| Members | 3,803 |
| Assets per member | $35K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 13.8% | |
|---|---|---|
| Loans | 15.9% | higher than 95% of its peer group |
| Deposits | 8.7% | around the 89th percentile of its peer group |
| Members | 4.9% | higher than 92% 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 | 116.0% | higher than 100% of its peer group |
|---|---|---|
| Net worth ratio | 16.6% | higher than 91% of its peer group |
| Return on assets | 1.55% | higher than 90% of its peer group |
| Delinquency ratio | 1.61% | higher than 91% of its peer group |
| Cash / assets | 1.0% | lower than 99% of its peer group |
| Borrowings / assets | 13.0% | higher than 99% of its peer group |
What this page does not show
Everything above is Utica Gas & Electric Emp 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.
- Ufirst Credit Union
Plattsburgh, NY
$125.9M · 10,445 members
- Meridia Community Credit Union
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$141.3M · 10,109 members
- Auburn Community Credit Union
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$123.5M · 7,831 members
- Buffalo Metropolitan Credit Union
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$145.2M · 17,293 members
- Syracuse Fire Department Employees Credit Union
SYRACUSE, NY
$145.8M · 6,734 members
- Community Resource Credit Union
Latham, NY
$119.8M · 7,389 members
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