UTICA DISTRICT TELEPHONE EMPLOYEES
Charter #11157 · UTICA, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,669 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 31.99% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.10% sits at the 16th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 51st — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | UTICA DISTRICT TELEPHONE EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.01M | 83th pct | 51th pct |
| Members | 1,669 | 31th pct | 25th pct |
| Net worth ratio | 31.99% | 98th pct | 93th pct |
| Return on average assets | 0.49% | 41th pct | 33th pct |
| Net interest margin | 3.10% | 19th pct | 16th pct |
| Cost of funds | 1.48% | 78th pct | 70th pct |
| Loan-to-share | 58.11% | 51th pct | 48th pct |
| Delinquency 60+ days | 0.65% | 53th pct | 38th pct |
| Net charge-off ratio | 0.55% | 73th pct | 67th pct |
| Loan growth YoY | -8.39% | 12th pct | 7th pct |
| Share growth YoY | 2.85% | 53th pct | 62th pct |
| Efficiency ratio | 79.87% | 48th pct | 54th pct |
structural peer set hash: 882727a0c08dd1f592f96af39ba5052e… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.