Credit union · NCUA insured
Special Metals Federal Credit Union
Top CarrotA $23.6M credit union headquartered in New Hartford, NY, with 1,767 members and 1 branch in New York.
Special Metals Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#8 of 16 in Utica, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Special Metals Federal Credit Union
Special Metals Federal Credit Union is located in New Hartford, New York, and was chartered in 1961.
The credit union recently merged with UMICO Federal Credit Union.
- Headquarters
- 4340 Middle Settlement Rd, New Hartford, NY 13413-5316
- NCUA charter
- 14522
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Retirees are eligible for membership.
- Employees of Special Metals Corporation are eligible to join.
- Employees of Utica National Insurance Company are eligible to join.
Family and household
- Family members of eligible members are eligible to join.
Branches
1 branch in New York
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New York
1 branch
- Main OfficeMain office4340 Middle Settlement Rd, New Hartford, NY 13413Directions
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 | 11.75% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.18% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.42% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $56 | $59 | — |
- CapitalNet worth ratio11.75%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.18%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.42%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$56Peers’ 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 Special Metals 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.