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Overview / Commentary
800 Park Ave
Utica, NY 13501

Oneida County Federal Credit Union is headquartered in Utica and is the 220th largest credit union in the state of New York. It is also the 3,953rd largest credit union in the nation. It was established in 1959 and as of June of 2016, it had grown to 3 employees and 2,144 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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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

NCUA #13102
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.15%
Return on Equity - YTD1.49%
Annual Interest Income$175.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$13.1MM$12.5MM
LoansQ2 2016vs Q2 2015$4.0MM$4.2MM
DepositsQ2 2016vs Q2 2015$11.7MM$11.2MM
Equity CapitalQ2 2016vs Q2 2015$1.3MM$1.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$18.00K$21.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$51.00K$89.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Oneida County Federal Credit Union Savings Account Rates

0.25%--Savings Account
0.25%--Club Account

Oneida County Federal Credit Union Locations
Branch Office800 Park AveUtica, NY 13501