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O and R Utilities Employees

Monroe, NY · Charter 23700

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

79

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

O and R Utilities Employees

Monroe, NY · Charter 23700

NCUA · 1 branch

Q2 2026

$34.7MAssets
$25.8MLoans
$30.6MShares
$4.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.26%, down 127 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.94% of loans (+29 bps YoY).
  • Capital: net worth / assets of 11.86%, down 34 bps from a year ago.
  • Funding: loans stand at 84.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.26%-127 bps YoY

Net Interest Margin (YTD, annualized)

3.84%-38 bps YoY

Efficiency Ratio (YTD, annualized)

67.10%+638 bps YoY

Net Worth / Assets

11.86%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%0.84%0.17%0.05%0.26%-127 bps
Return on Equity12.60%7.00%1.41%0.45%2.23%-1,037 bps
Net Interest Margin4.22%4.09%4.09%3.84%3.84%-38 bps
Efficiency Ratio60.72%59.09%59.51%66.42%67.10%+638 bps
Growth
Asset Growth (YoY)9.01%15.30%11.52%12.52%10.22%+121 bps
Loan Growth (YoY)0.94%-1.64%0.63%4.97%1.98%+104 bps
Share Growth (YoY)8.22%15.26%11.67%13.35%10.77%+255 bps
Asset Quality
Delinquent Loans / Loans0.65%0.11%0.19%0.80%0.94%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.20%11.97%11.95%11.46%11.86%-34 bps
Net Worth / Assets12.20%11.97%11.95%11.46%11.86%-34 bps
Liquidity & Funding
Loans / Shares91.65%84.13%84.97%84.18%84.38%-727 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

O and R Utilities Employees

Monroe, NY · Charter 23700 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$34.7MAssets
$25.8MLoans
$30.6MShares
$4.1MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 79% of credit unions under $1B in assets (rank 358 of 1682).
  • Widest gap: return on assets trails 80% of credit unions under $1B in assets (rank 1339 of 1683).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.27%

Rank 1,339 of 1,683

Net Interest Margin

3.84%

Rank 824 of 1,683

Efficiency Ratio

66.99%

Rank 358 of 1,682

Equity / Assets

11.86%

Rank 1,017 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.27%0.35%0.74%1.18%Beats 20%1,339 / 1,683
Return on Equity2.24%2.67%5.89%8.74%Beats 22%1,318 / 1,681
Net Interest Margin3.84%3.31%3.82%4.32%Beats 51%824 / 1,683
Efficiency Ratio66.99%68.91%78.20%86.93%Beats 79%358 / 1,682
Asset Quality
Nonperforming Loans / Loans0.94%0.26%0.65%1.29%Beats 36%1,084 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.86%10.44%12.89%16.53%Beats 40%1,017 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.86%10.44%12.89%16.53%Beats 40%1,017 / 1,683
Liquidity & Funding
Loans / Deposits84.38%52.61%69.38%83.50%77th pctl394 / 1,683
Loans / Assets74.35%44.71%59.18%70.72%82nd pctl304 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution