Utica Gas & Electric Emp Federal Credit Union

New Hartford, NY

Rating Date

December 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

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Weiss Ratings	Utica Gas & Electric Emp Federal Credit Union New Hartford, NY	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	7.70
Capitalization Index	10.00
Liquidity Index	0.60
Profitability Index	9.70
Stability Index	3.70

Company Info	Utica Gas & Electric Emp Federal Credit Union New Hartford, NY	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	878
Phone Number	(315) 733-1596
Website	www.ugefcu.com

Asset Quality	Utica Gas & Electric Emp Federal Credit Union New Hartford, NY	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	10.44%
5-Year Asset Growth	9.39%
5-Year Charge-Offs to Average Loans	0.04%
Charge-Offs to Average Loans	0.05%
Non-Performing Assets to Assets	0.91%
Non-Performing Loans to Capital	5.69%
Non-Performing Loans to Loans	1.07%

Balance Sheet	Utica Gas & Electric Emp Federal Credit Union New Hartford, NY	Click to Compare	Click to Compare	Click to Compare
Total Assets	126.65M
Total Deposits	94.16M

Capital and Reserves	Utica Gas & Electric Emp Federal Credit Union New Hartford, NY	Click to Compare	Click to Compare	Click to Compare
Capital	19.84M
Leverage Ratio	16.66
Loan Loss Reserves to Loans	0.37%

Liquidity	Utica Gas & Electric Emp Federal Credit Union New Hartford, NY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	27.66%
Liquidity Ratio	9.08%

Profitability	Utica Gas & Electric Emp Federal Credit Union New Hartford, NY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.33%
Net Income	1.43M
Net Interest Spread	2.90%
Operating Profit to Average Assets	1.63%
Overhead Efficiency Ratio	51.70%
Return on Assets	1.58%
Return on Equity	10.36%