Side-by-side · Q2 2026 data
O and R Utilities Employees Federal Credit Union vs The Finest Federal Credit Union
Credit union
O and R Utilities Employees Federal Credit Union
Monroe, New York · Under $100 million in assets
Credit union
The Finest Federal Credit Union
New York, New York · Under $100 million in assets
Metric by metric
| Measure | O and R Utilities Employees Federal Credit Union | The Finest Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 66 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 69 (stronger) | 28 |
| Earnings | 31 | 67 (stronger) |
| Funding & liquidity | 76 (stronger) | 45 |
| Problem-loan coverage | 88 (stronger) | 87 |
| Peer percentile | 28th | 32nd |
| Total assets | $34.7M | $36.0M |
| Deposits / shares | $30.6M | $27.7M |
| Capital ratio | 11.86% | 23.97% (stronger) |
| Problem loans | 0.94% (stronger) | 2.17% |
| Net charge-offs | 0.55% (stronger) | 3.41% |
| Return on assets | 0.26% | 1.16% (stronger) |
| Loans ÷ deposits | 84.4% (stronger) | 96.9% |
| Uninsured deposits | 12.5% (stronger) | 31.1% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Finest Federal Credit Union has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), O and R Utilities Employees Federal Credit Union leads on 4 and The Finest Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.