Side-by-side · Q2 2026 data
Academic Federal Credit Union vs O and R Utilities Employees Federal Credit Union
Credit union
Academic Federal Credit Union
Briarcliff Mano, New York · Under $100 million in assets
Credit union
O and R Utilities Employees Federal Credit Union
Monroe, New York · Under $100 million in assets
Metric by metric
| Measure | Academic Federal Credit Union | O and R Utilities Employees Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 64 |
| Capital cushion | 64 | 69 (stronger) |
| Loan quality | 55 | 69 (stronger) |
| Earnings | 69 (stronger) | 31 |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 93 (stronger) | 88 |
| Peer percentile | 42nd | 28th |
| Total assets | $33.7M | $34.7M |
| Deposits / shares | $29.8M | $30.6M |
| Capital ratio | 11.44% | 11.86% (stronger) |
| Problem loans | 1.34% | 0.94% (stronger) |
| Net charge-offs | 0.99% | 0.55% (stronger) |
| Return on assets | 1.22% (stronger) | 0.26% |
| Loans ÷ deposits | 35.8% (stronger) | 84.4% |
| Uninsured deposits | 0.0% (stronger) | 12.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Academic Federal Credit Union has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Academic Federal Credit Union leads on 4 and O and R Utilities Employees Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.