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
$40.3M Assets
$15.5M Loans
$28.2M Shares
$12.9M Net 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
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 0.66% 0.02% 0.62% 0.99% Beats 53% 28 / 60 Return on Equity 2.08% 0.12% 4.17% 8.32% Beats 33% 40 / 60 Net Interest Margin 3.10% 3.36% 3.95% 4.45% Beats 15% 51 / 60 Efficiency Ratio 78.52% 70.09% 78.52% 92.77% Beats 50% 31 / 60 Asset Quality Nonperforming Loans / Loans 0.83% 0.25% 0.82% 1.91% Beats 48% 32 / 60 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 31.94% 11.15% 14.35% 19.86% Beats 97% 2 / 60 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 31.94% 11.15% 14.35% 19.86% Beats 97% 2 / 60 Liquidity & Funding Loans / Deposits 55.04% 51.31% 60.45% 81.20% 37th pctl 38 / 60 Loans / Assets 38.42% 41.11% 52.43% 68.66% 18th pctl 49 / 60 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11