A credit union's profitability affects its safety and soundness. A credit union can retain its earnings, boosting its capital cushion, or put them to work addressing problematic loans, likely making the credit union better prepared to withstand financial trouble. Conversely, losses lessen a credit union's ability to do those things.
On Bankrate's earnings test, UTICA DISTRICT TELEPHONE EMPLOYEES scored 6 out of a possible 30, coming in below the national average of 10.11.
UTICA DISTRICT TELEPHONE EMPLOYEES had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, an indication that it's outperforming its peers in this area.