Credit Union Safety Analysis
Is O and R Utilities Employees Federal Credit Union Safe? Monroe, New York
Based on its Q2 2026 NCUA 5300 call report, O and R Utilities Employees Federal Credit Union has a net worth ratio of 11.86%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.94%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, O and R Utilities Employees Federal Credit Union's net worth ratio is 11.86%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.86%
- Delinquency ratio (60+ days) (Q2 2026): 0.94%
- Return on assets (Q2 2026): 0.48%
- Loan-to-share ratio (Q2 2026): 84.38%
O and R Utilities Employees Federal Credit Union (NCUA charter 23700, established 1980) reported $34.7M in assets and 1,896 members for Q2 2026 from Monroe, New York. It ranks 155 of 267 credit unions in New York by total assets. Total assets grew 10.2% from $31.5M on June 30, 2025. It has 33 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was down 0.34 percentage points from 12.20% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $14.2M of $25.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.94% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.46% for Q1 2026; 12.20% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.80% for Q1 2026; 0.65% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.05% for Q1 2026; 1.87% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 84.18% for Q1 2026; 91.65% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $14.2M
- New vehicle loans: $5.4M
- Other unsecured loans and lines of credit: $4.0M
- Used vehicle loans: $1.9M
- Other secured non-real estate loans and lines of credit: $327K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $34.7M | 11.86% | 0.94% | 0.48% | 84.38% |
| March 31, 2026 | $34.8M | 11.46% | 0.80% | 0.05% | 84.18% |
| December 31, 2025 | $33.2M | 11.95% | 0.19% | -1.82% | 84.97% |
| September 30, 2025 | $33.0M | 11.97% | 0.11% | -0.42% | 84.13% |
| June 30, 2025 | $31.5M | 12.20% | 0.65% | 1.87% | 91.65% |
| March 31, 2025 | $30.9M | 11.96% | 0.75% | 1.23% | 90.90% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
O and R Utilities Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 23700) · FFIEC NIC profile (RSSD 825593)
Frequently asked questions
Is O and R Utilities Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, O and R Utilities Employees Federal Credit Union's net worth ratio is 11.86%, above the 7% NCUA threshold for well capitalized.
Is O and R Utilities Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. O and R Utilities Employees Federal Credit Union is a federally insured credit union (NCUA charter 23700): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are O and R Utilities Employees Federal Credit Union's key safety ratios?
For Q2 2026, O and R Utilities Employees Federal Credit Union reports net worth 11.86%, delinquency 0.94%, ROA 0.48%, loan-to-share 84.38%.
What happens to my money if O and R Utilities Employees Federal Credit Union fails?
For Q2 2026, O and R Utilities Employees Federal Credit Union held $30.6M in shares and deposits for 1,896 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.