Side-by-side · Q2 2026 data
Jeff Bank, National Association vs O and R Utilities Employees Federal Credit Union
Credit union
O and R Utilities Employees Federal Credit Union
Monroe, New York · Under $100 million in assets
Metric by metric
| Measure | Jeff Bank, National Association | O and R Utilities Employees Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 64 |
| Capital cushion | 99 (stronger) | 69 |
| Loan quality | 88 (stronger) | 69 |
| Earnings | 96 (stronger) | 31 |
| Funding & liquidity | 94 (stronger) | 76 |
| Problem-loan coverage | 96 (stronger) | 88 |
| Peer percentile | 99th | 28th |
| Total assets | $686.2M | $34.7M |
| Deposits / shares | $579.2M | $30.6M |
| Capital ratio | 14.92% (stronger) | 11.86% |
| Problem loans | 0.37% (stronger) | 0.94% |
| Net charge-offs | -0.00% (stronger) | 0.55% |
| Return on assets | 1.91% (stronger) | 0.26% |
| Loans ÷ deposits | 63.9% (stronger) | 84.4% |
| Uninsured deposits | 17.2% | 12.5% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 36.9% | — |
Jeff Bank, National Association has the higher TellerScore (95 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Jeff Bank, National Association leads on 6 and O and R Utilities Employees Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.