PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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