Utica Gas & Electric Emp Federal Credit Union


215 Old Campion Rd
New Hartford, NY 13413
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Notable Rates APY Vs.Others
Savings N.A. 1.02% →
1-Year CD N.A. 2.15% →
2-Year CD N.A. 2.81% →
5-Year CD N.A. 3.05% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Utica Gas & Electric Emp is an NCUA insured institution located in New Hartford, NY. It was founded in 1937 and has approximately $90.31 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 2252
Date Established 1937
Assets $90.31 million
Loans $66.34 million
Deposits $73.76 million
Capital $15.75 million

Field of Membership Restrictions

Membership in Utica Gas & Electric Emp Federal Credit Union is open to employees of National Grid, Advanced Power & Light, A.S. Neurology, PC, Apple Betty Restaurant, Bailey Development Company, LLC, Custom Appraisals, Deerfield Volunteer Fire Department, E.B. Enterprises, Dental Practices of Dr. Putnam and Dr. Massi, G.E. Ski Club, Inc., James N. Foss Inc, Graziadei Building Group, Inc., Leatherstocking Abstract and Title Corp, Northern Sprayfoam, Peck Farms, The Town of New Hartford, Schmitt and Lascurettes LLC, or Sherrill City School District.

Deposit Rates - May 16, 2022

Your Current Location: California, CA 92111

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Loan Rates - May 16, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for UTICA GAS & ELECTRIC EMP

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

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
CIT Bank, A Division of First Citizens Bank
NMLS ID: 503941
5.260% 5.175% 1.00 $2,395 $1,369 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

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Below are Utica Gas & Electric Emp 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:
San Diego,California

Utica Gas & Electric Emp Locations

Climate Initiatives

UTICA GAS & ELECTRIC EMP is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Utica Gas & Electric Emp Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Utica Gas & Electric Emp. 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
Utica Gas & Electric Emp U.S. Average
5.51% 4.85

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 December 31, 2021, Utica Gas & Electric Emp had $881,464 in non-current loans and $0 in owned assets. To cover these potential losses it had $15,747,002 in net worth and $242,192 in loans loss reserves. That gives it a Texas Ratio of 5.51%.

Net Worth
Utica Gas & Electric Emp U.S. Average
17.43% 12.36%

Utica Gas & Electric Emp FCU has a net worth of 17.43% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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