Credit union · NCUA insured
Utica District Telephone Employees Federal Credit Union
A $40M credit union headquartered in Utica, NY, with 1,669 members and 1 branch in New York. Best rates: CDs 4.06% and savings 0.40% APY.
Utica District Telephone Employees Federal Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#10 of 16 in Utica, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Utica District Telephone Employees Federal Credit Union
Utica District Telephone Employees Federal Credit Union is headquartered in Utica, New York, and was chartered in 1956.
- Headquarters
- 2812 Genesee St, Utica, NY 13502
- NCUA charter
- 11157
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of this Credit Union are eligible for membership.
- Employees of Verizon & subsidiaries, Spectrum Cable, and Northland Communications are eligible for membership.
Family and household
- Immediate family members and permanent household members of eligible persons, as well as surviving spouses of persons who died while in the field of membership, are eligible for membership.
Other ways
- Organizations of persons within the field of membership are eligible for membership.
Branches
1 branch in New York
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New York
1 branch
- Credit Union LotMain office2812 Genesee St, Utica, NY 13502Directions
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 | 31.94% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.83% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.67% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $55 | $59 | — |
- CapitalNet worth ratio31.94%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.83%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.67%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$55Peers’ 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 Utica District Telephone Employees 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.