Overview / Commentary
14 Talmadge Ct
Monroe, NY 10950-1526

O & R Utilities Employees Federal Credit Union is headquartered in Monroe and is the 199th largest credit union in the state of New York. It is also the 3,618th largest credit union in the nation. It was established in 1980 and as of December of 2018, it had grown to 3 employees and 1,290 members at 1 location. O & R Utilities Employees Federal Credit Union's money market rates are 59% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

O & R Utilities Employees Federal Credit Union is open to employees and retirees who work in the electric power generation, transmission, and distribution industry in Broome, Albany, Chenango, Bronx, Columbia, Dutchess, Delaware, Kings, Greene, Orange, New York, Putnam, Otsego, Queens, Richmond, Renesselar, Rockland, Suffolk, Schoharie, Westchester or Ulster Counties in New York; Bergan County in New Jersey; or Pike County in Pennsylvania. Membership also extends to immediate family and household members.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. O & R Utilities Employees Federal Credit Union has a low asset base.

Health Grade Components

NCUA #23700
Year Chartered1980
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD2.03%
Annual Interest Income$617.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$15.4MM$14.6MM
LoansQ4 2018vs Q4 2017$10.5MM$9.0MM
DepositsQ4 2018vs Q4 2017$13.4MM$12.6MM
Equity CapitalQ4 2018vs Q4 2017$2.0MM$1.9MM
Loan Loss AllowanceQ4 2018vs Q4 2017$102.00K$66.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$11.00K$77.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

O & R Utilities Employees Federal Credit Union Savings Account Rates

2.00%*$5$2kHoliday Club Account
OTHER TIERS: 0.20% $2k+
0.10%$5-Regular Share
0.05%--Vacation Club Account

O & R Utilities Employees Federal Credit Union Money Market Rates

0.70%*$75k*-Money Market Account
OTHER TIERS: 0.15% $2.5k - $10k | 0.40% $10k - $40k | 0.50% $40k - $75k

O & R Utilities Employees Federal Credit Union CD Rates

2.53%$500-12 Month CD Special w/ Direct Deposit
2.07%$500-60 Month CD
2.02%$500-36 Month CD
1.61%$500-24 Month CD
1.51%$500-18 Month CD
1.36%$500-12 Month CD Special - All members
1.00%$500-6 Month CD

O & R Utilities Employees Federal Credit Union Locations
Branch Office14 Talmadge CtMonroe, NY 10950-1526

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