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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.27% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,339 / 1,683 | |
| Return on Equity | 2.24% | 2.67% | 5.89% | 8.74% | Beats 22% | 1,318 / 1,681 | |
| Net Interest Margin | 3.84% | 3.31% | 3.82% | 4.32% | Beats 51% | 824 / 1,683 | |
| Efficiency Ratio | 66.99% | 68.91% | 78.20% | 86.93% | Beats 79% | 358 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.94% | 0.26% | 0.65% | 1.29% | Beats 36% | 1,084 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.86% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,017 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.86% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,017 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 84.38% | 52.61% | 69.38% | 83.50% | 77th pctl | 394 / 1,683 | |
| Loans / Assets | 74.35% | 44.71% | 59.18% | 70.72% | 82nd pctl | 304 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |