Oneida County Federal Credit Union

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1.40% APY

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Overview / Commentary

www.oneidacfcu.org

315-798-5741

800 Park Ave
Utica, NY 13501

Oneida County Federal Credit Union is headquartered in Utica and is the 221^st largest credit union in the state of New York. It is also the 3,924^th largest credit union in the nation. It was established in 1959 and as of March of 2017, it had grown to 3 employees and 2,109 members at 1 location. Oneida County Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to current and former employees of Oneida County, State of New York Courts, Water Board, Municipal Housing Authority, the Villages of Clinton, Yorkville, Waterville, Whitesboro, and New Hartford, the towns of New Hartford and Vienna, the City of Utica, New York Mills, Oneida County Solid Waste Authority, Central New York Abstract Corporation (in the Oneida County Clerk's Office).
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Health

B

Data as of Q1 2017

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Oneida County Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	13102
Year Chartered	1959
Employees	3
Primary Regulator

Profit Margin
Return on Assets - YTD	0.3%
Return on Equity - YTD	2.94%
Annual Interest Income	$87.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$13.2MM$13.1MM
Loans	Q1 2017vs Q1 2016	$3.7MM$3.9MM
Deposits	Q1 2017vs Q1 2016	$11.8MM$11.7MM
Equity Capital	Q1 2017vs Q1 2016	$1.4MM$1.3MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$21.00K$16.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$36.00K$51.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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Oneida County Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	Savings Account
0.25%	-	-	Club Account

Locations

Oneida County Federal Credit Union Locations
Branch Office	800 Park Ave	Utica, NY 13501