Side-by-side · Q2 2026 data
Rome Federal Credit Union 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 | Rome Federal Credit Union | O and R Utilities Employees Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 64 (stronger) |
| Capital cushion | 57 | 69 (stronger) |
| Loan quality | 36 | 69 (stronger) |
| Earnings | 43 (stronger) | 31 |
| Funding & liquidity | 99 (stronger) | 76 |
| Problem-loan coverage | 83 | 88 (stronger) |
| Peer percentile | 19th | 28th |
| Total assets | $33.5M | $34.7M |
| Deposits / shares | $29.9M | $30.6M |
| Capital ratio | 10.70% | 11.86% (stronger) |
| Problem loans | 1.91% | 0.94% (stronger) |
| Net charge-offs | 0.71% | 0.55% (stronger) |
| Return on assets | 0.58% (stronger) | 0.26% |
| Loans ÷ deposits | 50.6% (stronger) | 84.4% |
| Uninsured deposits | 16.4% | 12.5% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
O and R Utilities Employees Federal Credit Union has the higher TellerScore (64 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Rome Federal Credit Union leads on 2 and O and R Utilities Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.