Monroe, New York · Peer group 3
O and R Utilities Employees Credit Union
O and R Utilities Employees Credit Union holds $34.8M in assets across 1,957 members as of Q1 2026 — about $18K of assets per member, on a charter dating to 1980. Charter number 23700, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $34.8M |
|---|---|
| Total loans | $25.9M |
| Total shares (deposits) | $30.8M |
| Net worth | $4.0M |
| Members | 1,957 |
| Assets per member | $18K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 12.5% | |
|---|---|---|
| Loans | 5.0% | around the 81st percentile of its peer group |
| Deposits | 13.3% | higher than 97% of its peer group |
| Members | 3.5% | higher than 91% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 84.2% | around the 88th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.5% | around the 31st percentile of its peer group |
| Return on assets | 0.05% | around the 20th percentile of its peer group |
| Delinquency ratio | 0.80% | around the 61st percentile of its peer group |
| Cash / assets | 10.4% | around the 45th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is O and R Utilities Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Chen-Del-O Credit Union
FRANKLIN, NY
$34.7M · 2,677 members
- Finger Lakes Health Care Credit Union
ELMIRA, NY
$35.0M · 2,464 members
- Ed-Med Credit Union
OGDENSBURG, NY
$34.0M · 2,088 members
- The Finest Credit Union
New York, NY
$35.8M · 12,316 members
- Steuben Citizens Credit Union
BATH, NY
$35.8M · 2,575 members
- Medisys Employees Credit Union
JAMAICA, NY
$33.5M · 3,506 members
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