UTICA POLICE DEPARTMENT

Charter #2208 · UTICA, NY · <$10M

Public 5300 data · as of 2026Q1

What the numbers say

Members of 601 sits at the 18th percentile of structural peers — worth a closer look.
Net interest margin of 3.07% sits at the 3rd percentile of structural peers — worth a closer look.
Cost of funds of 2.83% sits at the 93rd percentile of structural peers — worth a closer look.
Delinquency 60+ days of 1.92% sits at the 80th percentile of structural peers — worth a closer look.
Net charge-off ratio of 1.19% sits at the 95th percentile of structural peers — worth a closer look.

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 POLICE DEPARTMENT	Asset-tier percentile	Structural percentile
Total assets	$6.28M	73th pct	39th pct
Members	601	51th pct	18th pct
Net worth ratio	27.57%	82th pct	72th pct
Return on average assets	0.22%	42th pct	26th pct
Net interest margin	3.07%	23th pct	3th pct
Cost of funds	2.83%	95th pct	93th pct
Loan-to-share	95.34%	91th pct	74th pct
Delinquency 60+ days	1.92%	67th pct	80th pct
Net charge-off ratio	1.19%	88th pct	95th pct
Loan growth YoY	-2.84%	62th pct	49th pct
Share growth YoY	3.00%	70th pct	66th pct
Efficiency ratio	92.92%	60th pct	72th pct

structural peer set hash: 5c8e187ec1e5f9ab9112591a4e8aa87f… (reproducible)

Closest structural peers

OAK FARMS EMPLOYEES68.6%

#67624 · TX

ERIE CITY EMPLOYEES67.9%

#8913 · PA

MACON FIREMEN'S64.2%

#67687 · GA

PEORIA FIRE FIGHTERS63.8%

#60190 · IL

PBA61.8%

#11045 · AR

DAVISON EMPLOYEES61.4%

#8967 · LA

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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.