O and R Utilities Employees Federal Credit Union (NCUA charter #23700) is based in Monroe, New York. Its Q2 2026 call report shows $34.7M in total assets and $30.6M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, O and R Utilities Employees Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 28% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 182nd. Its strongest component is problem-loan coverage (88/100; 5.9%), and its lowest is earnings (31/100; 0.26%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 13 points (77 → 64), mostly because the earnings component weakened by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 78 |
| Q4 2024 | 80 |
| Q1 2025 | 73 |
| Q2 2025 | 77 |
| Q3 2025 | 77 |
| Q4 2025 | 71 |
| Q1 2026 | 63 |
| Q2 2026 | 64 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.65% |
| Q3 2024 | 12.04% |
| Q4 2024 | 12.14% |
| Q1 2025 | 11.96% |
| Q2 2025 | 12.20% |
| Q3 2025 | 11.97% |
| Q4 2025 | 11.95% |
| Q1 2026 | 11.46% |
| Q2 2026 | 11.86% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.65% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.19% |
| Q1 2026 | 0.80% |
| Q2 2026 | 0.94% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.25% |
| Q4 2024 | 1.55% |
| Q1 2025 | 1.23% |
| Q2 2025 | 1.54% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $34.7M | 11.86% | 0.94% | 0.26% | 84.4% |
| Q1 2026 | 63 | $34.8M | 11.46% | 0.80% | 0.05% | 84.2% |
| Q4 2025 | 71 | $33.2M | 11.95% | 0.19% | 0.17% | 85.0% |
| Q3 2025 | 77 | $33.0M | 11.97% | 0.11% | 0.84% | 84.1% |
| Q2 2025 | 77 | $31.5M | 12.20% | 0.65% | 1.54% | 91.6% |
| Q1 2025 | 73 | $30.9M | 11.96% | 0.75% | 1.23% | 90.9% |
| Q4 2024 | 80 | $29.8M | 12.14% | 0.26% | 1.55% | 94.3% |
| Q3 2024 | 78 | $28.6M | 12.04% | 0.17% | 1.25% | 98.6% |
| Q2 2024 | 76 | $28.9M | 11.65% | 0.17% | 1.15% | 98.3% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ed-Med Federal Credit UnionCredit union Ogdensburg, NY | 76 out of 100, Strong | $34.7M | 12.5% | 1.08% | vs |
| Chen-Del-O Federal Credit UnionCredit union Franklin, NY | 85 out of 100, Very strong | $34.9M | 12.9% | 0.48% | vs |
| Finger Lakes Health Care Federal Credit UnionCredit union Elmira, NY | 89 out of 100, Very strong | $35.2M | 15.5% | 0.02% | vs |
| Academic Federal Credit UnionCredit union Briarcliff Mano, NY | 71 out of 100, Strong | $33.7M | 11.4% | 1.34% | vs |
| Steuben Citizens Federal Credit UnionCredit union Bath, NY | 76 out of 100, Strong | $35.8M | 12.2% | 0.09% | vs |
| Gowanda Area Federal Credit UnionCredit union Gowanda, NY | 99 out of 100, Very strong | $33.5M | 16.1% | 0.00% | vs |
Deposit insurance
Is my money safe at O and R Utilities Employees Federal Credit Union?
Yes. O and R Utilities Employees Federal Credit Union is a federally insured credit union (NCUA charter #23700). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 12.5% of shares and deposits ($3.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 11.86%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
O and R Utilities Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Monroe, NY (1)
Identity & history
Profile
- Legal name
- O and R Utilities Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 23700
- RSSD ID
- 825593
- Primary regulator
- NCUA
- Established
- 1980
- Headquarters
- P.O. Box 470, Monroe, NY 10949
- Employees
- 4
Quick answers
O and R Utilities Employees Federal Credit Union: common questions
Is O and R Utilities Employees Federal Credit Union NCUA insured?
Yes. O and R Utilities Employees Federal Credit Union is a federally insured credit union (NCUA charter #23700). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is O and R Utilities Employees Federal Credit Union's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does O and R Utilities Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Monroe
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Jeff Bank, National AssociationBank Jeffersonville, NY | 95 out of 100, Very strong | $686.2M | 14.9% | 0.37% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| First Federal Savings of MiddletownBank Middletown, NY | 89 out of 100, Very strong | $188.0M | 36.9% | 0.00% | vs |
| Orange Bank & Trust CompanyBank Middletown, NY | 73 out of 100, Strong | $2.8B | 13.2% | 1.12% | vs |
| Sing Sing Employees Federal Credit UnionCredit union Briarcliff Mano, NY | 73 out of 100, Strong | $11.0M | 15.6% | 1.26% | vs |