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
- NCUSIF 100/100
- CAMELS 11.5%
- HEALTH 0.19%
- NW 1.39%
- DELQ $33.2M
- ROA 1,996
- ASSETS #23/4,374
- MEM ALHAMBRA
- RANK 23700
Call Report peers
O and R Utilities Employees in the assets neighbourhood
O and R Utilities Employees's $33.2M assets sit next to ALHAMBRA ($33.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
100 Top 1% higher than 99% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
O and R Utilities Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #23700, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
O and R Utilities Employees Call Report trajectory
O and R Utilities Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.7% from $33.2M (2025Q4) to $34.8M (2026Q1).
- Net-worth ratio shifted -0.49 pp (11.95% → 11.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for O and R Utilities Employees - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($33.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #23 of 4,374; by total assets it ranks #2,772 of 4,374 nationally (same basis as /rankings/largest); and #157 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.46% and delinquency rate of 0.19%.
How does O and R Utilities Employees compare to other credit unions?
PlainCU's health composite puts O and R Utilities Employees at 100/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like O and R Utilities Employees are 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."
What rates does O and R Utilities Employees offer compared to banks?
Credit unions like O and R Utilities Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact O and R Utilities Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.