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Overview / Commentary
180 Genesee St
New Hartford, NY 13413-2200

Umico Federal Credit Union is headquartered in New Hartford and is the 258th largest credit union in the state of New York. It is also the 4,561st largest credit union in the nation. It was established in 1939 and as of June of 2016, it had grown to 3 employees and 1,167 members at 1 location. Umico Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of Utica National Insurance Group.
See current membership details


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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. Umico Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #3313
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD-0.11%
Return on Equity - YTD-0.92%
Annual Interest Income$114.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$7.5MM$7.0MM
LoansQ2 2016vs Q2 2015$4.4MM$4.2MM
DepositsQ2 2016vs Q2 2015$6.7MM$6.1MM
Equity CapitalQ2 2016vs Q2 2015$868.00K$881.00K
Loan Loss AllowanceQ2 2016vs Q2 2015$26.00K$27.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$13.00K$31.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Umico Federal Credit Union Savings Account Rates

0.25%--Share Account
0.15%--Holiday Club Account

Umico Federal Credit Union CD Rates

0.50%--12 Month CD
0.40%--6 Month CD

Umico Federal Credit Union Locations
Branch Office180 Genesee StNew Hartford, NY 13413-2200