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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 257th largest credit union in the state of New York. It is also the 4,499th largest credit union in the nation. It was established in 1939 and as of March of 2017, it had grown to 3 employees and 1,164 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 - YTD0.11%
Return on Equity - YTD0.92%
Annual Interest Income$57.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$7.6MM$7.6MM
LoansQ1 2017vs Q1 2016$4.4MM$4.3MM
DepositsQ1 2017vs Q1 2016$6.8MM$6.7MM
Equity CapitalQ1 2017vs Q1 2016$865.00K$870.00K
Loan Loss AllowanceQ1 2017vs Q1 2016$8.00K$26.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$9.00K$19.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$0
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Umico Federal Credit Union Savings Account Rates

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

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