UTICA GAS & ELECTRIC EMP
Charter #2252 · NEW HARTFORD, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,803 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 16.61% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.57% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.99% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 3.30% sits at the 93rd 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 GAS & ELECTRIC EMP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $133.53M | 22th pct | 30th pct |
| Members | 3,803 | 2th pct | 21th pct |
| Net worth ratio | 16.61% | 91th pct | 79th pct |
| Return on average assets | 1.57% | 90th pct | 80th pct |
| Net interest margin | 2.99% | 14th pct | 18th pct |
| Cost of funds | 3.30% | 100th pct | 93th pct |
| Loan-to-share | 116.03% | 100th pct | 95th pct |
| Delinquency 60+ days | 1.61% | 91th pct | 82th pct |
| Net charge-off ratio | 0.17% | 27th pct | 52th pct |
| Loan growth YoY | 5.97% | 91th pct | 85th pct |
| Share growth YoY | 4.53% | 65th pct | 62th pct |
| Efficiency ratio | 50.46% | 2th pct | 11th pct |
structural peer set hash: d266e423fb372ce4b56fac82b6e46207… (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.