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Overview / Commentary
4311 Middle Settlement Rd
New Hartford, NY 13413

G.P.O. Credit Union is headquartered in New Hartford and is the 45th largest credit union in the state of New York. It is also the 901st largest credit union in the nation. It was established in 1978 and as of March of 2014, it had grown to 55 employees and 25,448 members. G.P.O. Credit Union has a A health rating.

Field of Membership Restrictions

Must be an employee of any of their Select Employer Group. Also open to those who live, work, worship or attend school in any of the following areas: City of Utica, Canastota, City of Oneida, Herkimer County, Annsville, Ava, Boonville, Floyd, Florence, Forestport, Marcy, New Hartford, Remsen, Rome or Whitestown (including Yorkville, Whitesboro, New York Mills & Oriskany). - See Details

Reviews (2)

Worst Credit Union I've Ever Dealt With

I was told that credit unions tend to offer better service than banks. That was certainly the case with some credit unions I dealt with in Seattle, such as the Verity Credit Union. So after I moved to the NY state my first thing was to open an account in a neighborhood credit union. Well, it turned out that this GPO credit union was much worse than the big banks. I had multiple issues with them, and their customer service agents were impolite and impatient. Then when I tried to close my account they had several excuses to delay the account closing process. I was too busy to waste more time on the account closing, so I put that thing aside for a year, only to find out that they charged me a "dormant fee" every month. Certainly they have changed my initial good impression about credit unions.

Good Service, Bad Website

I have been a member of GPO FCU for about four years.  Overall, their customer service has been more than satisfactory both on the phone and in person.  Even when lines are long, they keep them moving so there is little wait compared to other banks and credit unions that I have joined.  Employees are professional and knowledgeable.  The only real downside I've had with them is their online banking.  The online banking website is very out of date and could easily be mistaken as being from the mid 1990's.  Furthermore, I've had trouble with it not accepting my password after a while and then locking me out after three failed attempts to log back in.  There is no way to recover your password without calling them or visiting a branch, although that's fairly standard for a financial institution.  I am an avid user of as well; GPO is the only financial institution that I continue to have trouble using on Mint, as GPO locks me out of my account after a few days of using it on Mint.  For that reason, GPO is the only institution of the six I use for banking, loans, etc that is not currently on my Mint account.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 G.P.O. Credit Union had $1.25 million in non-current loans and owned real-estate with $20.93 million in equity and loan loss allowances on hand to cover it. This gives G.P.O. Credit Union a Texas Ratio of 5.96% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for G.P.O. Credit Union experienced no significant changes from 4.37% as of March 31, 2013 to 5.96% as of March 31, 2014, resulting in a negative change of 36.46%. This indicates that the balance sheet and financial strength for G.P.O. Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, G.P.O. Credit Union has increased its total deposits by $10.67 million, resulting in 5.94% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth G.P.O. Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. G.P.O. Credit Union has $212.51 million in assets with $20.93 million in equity, resulting in a capitalization level of 9.85%, which is above average.

Institution Statistics

NCUA #22931
Year Chartered1978
Primary Regulator
Assets and Liabilities
Assets$212.51 million
Loans$122.90 million
Deposits$190.37 million
Equity Capital$20.12 million
Loan Loss Allowance$803,000
Unbacked Noncurrent Loans$957,000
Real Estate Owned$291,000
Historic Data - March 2013
Assets$200.01 million
Equity Capital$18.06 million
Loan Loss Allowance$770,000
Unbacked Noncurrent Loans$957,000
Real Estate Owned$359,000
Profit Margin - Quarterly
Net Interest Margin1.17%
Return on Assets1.01%
Return on Equity10.69%
Interest Income$1.78 million
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G.P.O. Credit Union Savings Account Rates

0.25%$50-Share Savings
0.25%$50-Loan Payment Share Savings
0.25%--Kids Only Savings Club
0.25%$50-Christmas Club Account
0.25%$50-Vacation Club Account
0.25%$50-Special Club Account

G.P.O. Credit Union Money Market Rates

0.45%$50k-Money Market Savings
0.45%$50k-Money Market IRA
0.45%$50k-Money Market Roth IRA
0.45%$50k-Money Market Educational IRA

G.P.O. Credit Union CD Rates

1.65%$1k-60 Month Member Choice Share Certificate
1.50%$1k-48 Month Member Choice Share Certificate
1.05%$1k-36 Month Member Choice Share Certificate
0.80%$1k-24 Month Member Choice Share Certificate
0.60%$1k-12 Month Member Choice Share Certificate
0.60%$250-12 Month Easy Start Share Certificate
0.60%$250-12 Month Kids Only Savings Club Share Certificate
0.50%$1k-6 Month Money Market Share Certificate

G.P.O. Credit Union IRA Rates

1.65%$1k-60 Month IRA Certificate
1.65%$500-60 Month Education IRA Certificate
1.50%$1k-48 Month IRA Certificate
1.50%$500-48 Month Education IRA Certificate
1.05%$1k-36 Month IRA Certificate
1.05%$500-36 Month Education IRA Certificate
0.80%$1k-24 Month IRA Certificate
0.80%$500-24 Month Education IRA Certificate
0.60%$1k-12 Month IRA Certificate
0.60%$500-12 Month Education IRA Certificate

G.P.O. Credit Union Locations
Branch Office2711 Genesee StUtica, NY 13501
Branch Office1000 Oneida Plaza DrOneida, NY 13421-2672
Branch Office39 N Main StDolgeville, NY 13329-1338
Branch Office3 Central PlzIlion, NY 13357-1701
Branch Office301 Bleecker StUtica, NY 13501
Branch Office4311 Middle Settlement RdNew Hartford, NY 13413
Branch Office4311 Middle Settlement RdNew Hartford, NY 13413