Financial-condition comparison

UTICA DISTRICT TELEPHONE EMPLOYEES vs WESTCHESTER SCHOOLS'

This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”

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Credit union

UTICA DISTRICT TELEPHONE EMPLOYEES

UTICA, NY

Health score

67.4

Total assets

$40.0M

View full profileData through 2026-Q1

Credit union

WESTCHESTER SCHOOLS'

Rye Brook, NY

Health score

55.1

Total assets

$40.5M

View full profileData through 2026-Q1

Answer first

Different strengths, no blanket winner

UTICA DISTRICT TELEPHONE EMPLOYEES leads on financial health and capitalization; WESTCHESTER SCHOOLS' leads on profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.

Capital and asset-quality definitions are directly comparable for this pair.

Category leaders

Where each institution leads

Financial health

UTICA DISTRICT TELEPHONE EMPLOYEES

Higher TFS health score

Capitalization

UTICA DISTRICT TELEPHONE EMPLOYEES

Higher comparable capital ratio

Profitability

WESTCHESTER SCHOOLS'

Higher return on assets

Lending quality

WESTCHESTER SCHOOLS'

Lower problem-loan measure

Same-source detail

Financial metrics

Winner markers appear only where the metric definitions are comparable and both values are available.

Metric	UTICA DISTRICT TELEPHONE EMPLOYEES	WESTCHESTER SCHOOLS'
TFS health score	67.4/100Leads	55.1/100
Total assets	$40.0M	$40.5M
Total deposits / shares	$27.9M	$35.5M
Net worth ratio	31.99%Leads	10.99%
Return on assets	0.48%	0.55%Leads
Return on equity	1.51%	5.08%

Branch and market overlap

UTICA DISTRICT TELEPHONE EMPLOYEES

2 branches

WESTCHESTER SCHOOLS'

2 branches

Both institutions report branches in 2 states: NY, TX.

CFPB complaint coverage

UTICA DISTRICT TELEPHONE EMPLOYEES

Unavailable

WESTCHESTER SCHOOLS'

Unavailable

Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.

Regulatory-action context

UTICA DISTRICT TELEPHONE EMPLOYEES

0 in TFS registry

WESTCHESTER SCHOOLS'

0 in TFS registry

Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.

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UTICA DISTRICT TELEPHONE EMPLOYEES

WESTCHESTER SCHOOLS'

Coverage boundaries

What this does not conclude

• No product-rate, fee, or customer-service winner without product data.
• Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
• Regulatory actions are displayed separately and are not included in category scoring.

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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.