Overview / Commentary
215 Old Campion Rd
New Hartford, NY 13413-4953

UGEFCU is headquartered in New Hartford and is the 95th largest credit union in the state of New York. It is also the 1,992nd largest credit union in the nation. It was established in 1937 and as of December of 2018, it had grown to 9 employees and 2,914 members at 1 location. UGEFCU's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Utica Gas & Electric Federal Credit Union is open to all employees (and their family) of the following companies: National Grid, Advanced Power & Light Inc., Deerfield Volunteer Fire Department, Kane's Energy Solutions, the Town of New Hartford, E.B. Enterprises, Apple Betty Restaurant, Bailey Development Company, LLC, A.S. Neurology, PC, Dental Practices of Dr. Putnam and Dr. Massi, Custom Appraisals, Frank's Body Works, Graziadei Building Group, Inc., James N. Foss Inc., G.E. Ski Club, Inc. Country Woodworkers, Gridley Paige Inc., Mumford Driveway Sealing, Peck Farms, Sherrill City School District, Schmitt and Lascurettes LLC, Trackside Auto Parts (NAPA), and Leatherstocking Abstract and Title Corp.
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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. UGEFCU has a relatively low asset base.

Health Grade Components

NCUA #2252
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD1.26%
Return on Equity - YTD7.28%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$68.7MM$65.9MM
LoansQ4 2018vs Q4 2017$47.6MM$43.0MM
DepositsQ4 2018vs Q4 2017$53.7MM$52.2MM
Equity CapitalQ4 2018vs Q4 2017$11.8MM$11.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$264.00K$210.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$959.00K$842.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

UGEFCU Savings Account Rates

0.35%$25-Share (Savings)
0.35%$25-Christmas Club
0.35%$25-Vacation Club
0.35%$25-Tax Club

UGEFCU Money Market Rates

0.80%*$150k*-Money Market
OTHER TIERS: 0.45% $500 - $25k | 0.60% $25k - $75k | 0.70% $75k - $150k

UGEFCU Checking Account Rates

0.10%$25-Share Draft (Checking)


3.10%$500-60 Month Share Certificate
3.00%$500-36 Month Share Certificate
2.80%$500-24 Month Share Certificate
2.70%$500-12 Month Share Certificate
2.70%$500-14 Month Share Certificate Special
1.00%$500-6 Month Share Certificate

UGEFCU Locations
Branch Office215 Old Campion RdNew Hartford, NY 13413-4953

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