Credit union · NCUA insured
RT Federal Credit Union
A $57.4M credit union headquartered in Rome, NY, with 3,173 members and 3 branches in New York. Best rates: CDs 1.76% APY.
RT Federal Credit Union Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#14 of 16 in Utica, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About RT Federal Credit Union
- Headquarters
- 924 Turin St, Rome, NY 13440
- NCUA charter
- 12624
Branches
3 branches in New York
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New York
3 branches
Utica area · 2
- Main OfficeMain office924 Turin St, Rome, NY 13440Directions
- Camden Drive-Up Facility13 S Park St, Camden, NY 13316Directions
Lyons Falls area · 1
- Lyons Falls Branch3962 State Route 12, Lyons Falls, NY 13368Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.59% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.49% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.40% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $42 | $59 | — |
- CapitalNet worth ratio10.59%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.49%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.40%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$42Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of RT Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.