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Utica District Telephone Employees

Utica, NY · Charter 11157

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

97

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Utica District Telephone Employees

Utica, NY · Charter 11157

NCUA · 1 branch

Q2 2026

$40.3MAssets
$15.5MLoans
$28.2MShares
$12.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.67%, up 24 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.83% of loans (-104 bps YoY).
  • Capital: net worth / assets of 31.94%, down 47 bps from a year ago.
  • Funding: loans stand at 55.04% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+14 bps YoY

Efficiency Ratio (YTD, annualized)

78.50%-744 bps YoY

Net Worth / Assets

31.94%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.44%0.39%0.48%0.67%+24 bps
Return on Equity1.32%1.37%1.22%1.51%2.09%+76 bps
Net Interest Margin2.96%3.02%3.04%3.09%3.10%+14 bps
Efficiency Ratio85.94%81.41%80.41%79.87%78.50%-744 bps
Growth
Asset Growth (YoY)1.85%4.17%4.05%4.03%2.89%+105 bps
Loan Growth (YoY)-3.15%-7.00%-8.19%-10.71%-15.15%-1,199 bps
Share Growth (YoY)2.54%4.64%5.42%5.25%3.32%+79 bps
Asset Quality
Delinquent Loans / Loans1.87%1.16%2.04%0.65%0.83%-104 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital32.41%32.32%32.16%31.99%31.94%-47 bps
Net Worth / Assets32.41%32.32%32.16%31.99%31.94%-47 bps
Liquidity & Funding
Loans / Shares67.02%65.24%61.62%58.11%55.04%-1,198 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Utica District Telephone Employees

Utica, NY · Charter 11157 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)

NCUA · 1 branch

Q2 2026

$40.3MAssets
$15.5MLoans
$28.2MShares
$12.9MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 97% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 2 of 60).
  • Widest gap: net interest margin trails 85% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 51 of 60).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.66%

Rank 28 of 60

Net Interest Margin

3.10%

Rank 51 of 60

Efficiency Ratio

78.52%

Rank 31 of 60

Equity / Assets

31.94%

Rank 2 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.66%0.02%0.62%0.99%Beats 53%28 / 60
Return on Equity2.08%0.12%4.17%8.32%Beats 33%40 / 60
Net Interest Margin3.10%3.36%3.95%4.45%Beats 15%51 / 60
Efficiency Ratio78.52%70.09%78.52%92.77%Beats 50%31 / 60
Asset Quality
Nonperforming Loans / Loans0.83%0.25%0.82%1.91%Beats 48%32 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio31.94%11.15%14.35%19.86%Beats 97%2 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets31.94%11.15%14.35%19.86%Beats 97%2 / 60
Liquidity & Funding
Loans / Deposits55.04%51.31%60.45%81.20%37th pctl38 / 60
Loans / Assets38.42%41.11%52.43%68.66%18th pctl49 / 60
Brokered Deposits / Depositsn/aNot reported for this institution