Federal credit union · Monroe, New York · NCUA charter #23700
O and R Utilities Employees
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $33.2M
- Total assets
- 1,996
- Members
- 11.5%
- Net-worth ratio
O and R Utilities Employees scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.2M; members 1,996; net-worth ratio 11.46%; health rank #23 of 4,374; healthier than 99th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#23 of 4,374 health · 2025Q4O and R Utilities Employees · health 100/100 · $33.2M · 2025Q4
Call Report peers
O and R Utilities Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
O and R Utilities Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); O and R Utilities Employees sits in 100 with 34 others.
100 Top 1% higher than 99% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for O and R Utilities Employees
- Largest favorable gap: Loan-to-Share Ratio at 84.97% vs peer 59.80% (+25.17 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.40 pp (11.46% vs 14.86%).
New York standing for O and R Utilities Employees
- In New York, health place is #3 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #157 of 272 inside New York ($33.2M reported).
- Member book place in New York: #176 of 272.
- One place up in New York, Great Erie (#2) ties at 100/100; one place down, First Heritage (#4) scores 99/100, 1 point lower.
O and R Utilities Employees Call Report trajectory
O and R Utilities Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.7% from $33.2M (2025Q4) to $34.8M (2026Q1).
- Net-worth ratio shifted -0.49 pp (11.95% → 11.46%).
11.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 100/100 score is built
Every pillar scores full marks, so all five contribute their maximum.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.46% | -3.40 pp |
| Delinquency Rate | 0.19% | -0.95 pp |
| Return on Assets | 1.39% | +0.69 pp |
| Member Growth | 7.08% | - |
| Loan-to-Share Ratio | 84.97% | +25.17 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
O and R Utilities Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.8M | - |
| 2025Q4 | $33.2M | 1,996 |
| 2024Q4 | $29.8M | 1,864 |
| 2023Q4 | $26.5M | 1,756 |
Credit Union Details
- Charter Number
- 23700
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Monroe
- Data Quarter
- 2025Q4
Branch Location
O and R Utilities Employees operates a single office in Monroe, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Monroe (Main Office) | Monroe, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
O and R Utilities Employees nationwide neighbourhoods
Similar total assets
Using this data
- O and R Utilities Employees ranks #23 of 4,374 nationally on financial health and #3 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WESTAR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WESTAR
Frequently Asked Questions
Is O and R Utilities Employees financially healthy?
O and R Utilities Employees has a financial health score of 100/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #23 of 4,374 nationally on health and #3 of 272 in New York. Its net worth ratio is 11.46% and its delinquency rate 0.19%.
How does O and R Utilities Employees compare to other credit unions?
O and R Utilities Employees scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (84.97% vs 59.80%). Its widest shortfall is net worth ratio (11.46% vs 14.86%).
How can I join O and R Utilities Employees?
O and R Utilities Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact O and R Utilities Employees directly for the exact boundaries and application steps.
Is my money safe at O and R Utilities Employees?
O and R Utilities Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. O and R Utilities Employees's net worth ratio of 11.46% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.