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Letter portraitLegal landscapeQuarterYTD

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