BlastPoint's Credit Union Scorecard
UTICA DISTRICT TELEPHONE EMPLOYEES
Charter #11157 ยท NY
2596 CUs in <100M nationally
188 in 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 6.4% in tier
- + Loan-to-Member Ratio (LMR): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 0.02% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,686
-1.5% YoY-0.1% QoQ
|
-939 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$39.5M
+4.2% YoY+0.7% QoQ
|
+$9.6M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$17.7M
-7.0% YoY-3.0% QoQ
|
+$1.9M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
66% |
| Deposits |
$27.1M
+4.6% YoY-0.4% QoQ
|
+$1.7M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
62% |
| ROA |
0.4%
-40.1% YoY+2.8% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
3.0%
+3.1% YoY+1.4% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
81.4%
+5.7% YoY-5.3% QoQ
|
+0.0% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.2%
-56.2% YoY-38.1% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
65% |
| Loan To Share |
65.2%
-11.1% YoY-2.7% QoQ
|
+4.0% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$26,606
+1.2% YoY-1.3% QoQ
|
+$12K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Top 6.5% in tier |
| CD Concentration |
24.9%
+17.3% YoY+9.3% QoQ
|
+0.5% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
123
Net Worth Ratio
risk
Value:
32.30%
Peer Avg: 16.43%
#123 of 2596
Top 4.7% in <100M tier
168
Average Member Relationship (AMR)
engagement
Value:
$26,606
Peer Avg: $14,627
#168 of 2596
Top 6.4% in <100M tier
175
Loan-to-Member Ratio (LMR)
engagement
Value:
$10,505
Peer Avg: $5,488
#175 of 2596
Top 6.7% in <100M tier
Top Weaknesses (3 metrics)
2171
First Mortgage Concentration (%)
balance_sheet
Value:
34.21%
Peer Avg: 14.49%
#2171 of 2596
Bottom 16.4% in <100M tier
2102
Net Interest Margin (NIM)
profitability
Value:
3.03%
Peer Avg: 3.93%
#2102 of 2596
Bottom 19.1% in <100M tier
1966
Share Certificate Concentration (%)
balance_sheet
Value:
24.91%
Peer Avg: 15.37%
#1966 of 2596
Bottom 24.3% in <100M tier