UMICO

180 GENESEE ST
New Hartford, NY 13413

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 3313
Date Established 1939
Assets $7.77 million
Loans $4.99 million
Deposits $6.94 million
Capital $0.83 million

Umico is an NCUA insured institution located in New Hartford, NY. It was founded in 1939 and has approximately $7.77 millions in assets.

Deposit Rates - August 18, 2019

Your Current Location: Virginia, VA 20146

We do not yet have rates for Umico

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Note to Umico
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There are currently no rates available for Umico, but see these great savings and CD rates:

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Loan Rates - August 18, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for UMICO

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.414% 3.375% 0.50 $1,238 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to UMICO
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Branches

Below are Umico branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Umico Locations


Financial Details

Umico Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Umico. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Umico U.S. Average
2.41% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Umico had $20,309 in non-current loans and $0 in owned assets. To cover these potential losses it had $825,580 in net worth and $15,605 in loans loss reserves. That gives it a Texas Ratio of 2.41%.

Net Worth
Umico U.S. Average
10.62% 13.47%

Umico FCU has a net worth of 10.62% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Umico

Branches and Savings

What is Umico?

A federal credit union, registered with the NCUA under certificate #3313.
Learn more about credit unions here.

Is Umico FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Umico?

Please see Field of Membership information above for information on who is eligible to join.

What are Umico's share account and share certificate rates?

Umico's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Umico?

Umico has total capital of $0.83 million. Full information on Umico's financial position is located above.

Who owns Umico?

Credit Unions are owned by their members.

Where are Umico branches located?

See branch locations nearby.

Are Umico ATMs Open 24/7?

Do Umico ATMs accept cash deposits?

Can Umico customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Umico have a mobile app?

Does Umico have mobile deposit?

Does Umico have quick pay?

How can Umico transfer money to other banks or credit unions?

Does Umico report to credit bureaus?

Does Umico use Chexsystems?

Does Umico use Equifax?

What is Umico's toll free phone number?

What is Umico's ACH Routing Number?

What is Umico's SWIFT code?

Where can I find Umico's wire transfer form?

What is the Umico address for deposits?

What Products Does Umico Offer

Does Umico offer mortgages?

Compare mortgage rates here.

Does Umico offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Umico offer auto and RV loans?

Compare auto loan rates here.

Does Umico offer student loans or personal loans?

Compare personal loan rates here.

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