BlastPoint's Credit Union Scorecard
UTICA DISTRICT TELEPHONE EMPLOYEES
Charter #11157 · NY
UTICA DISTRICT TELEPHONE EMPLOYEES has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.7% in tier
- + Average Member Relationship (AMR): Top 6.5% in tier
- + Loan-to-Member Ratio (LMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Delinquency rate 0.48% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,684
-1.3% YoY-0.1% QoQ
|
-931 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$39.7M
+4.1% YoY+0.5% QoQ
|
+$9.5M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$17.0M
-8.2% YoY-4.0% QoQ
|
+$1.2M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$27.6M
+5.4% YoY+1.6% QoQ
|
+$1.9M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
62% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-34.3% YoY-11.7% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.0%
+2.4% YoY+0.6% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
80.4%
+5.1% YoY-1.2% QoQ
|
-2.1% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
2.0%
-10.3% YoY+75.5% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
61.6%
-12.9% YoY-5.5% QoQ
|
+1.0% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$26,483
+1.1% YoY-0.5% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 6.5% in tier |
| CD Concentration |
25.6%
+17.9% YoY+2.7% QoQ
|
+1.2% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)