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Featured Accounts

O And R Utilities Employees Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.31%5-year CD60 Month Share Certificate
0.50%1-year CD12 to 17 Month Share Certificate
0.05%SavingsRegular Share

Overview / Commentary
845-774-0831
14 Talmadge Ct
Monroe, NY 10950-1526

O And R Utilities Employees Federal Credit Union is headquartered in Monroe and is the 217th largest credit union in the state of New York. It is also the 3,928th largest credit union in the nation. It was established in 1980 and as of September of 2016, it had grown to 3 employees and 1,135 members at 1 location. O And R Utilities Employees Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership 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.
See current membership details

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Health
B+
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 And R Utilities Employees Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #23700
Year Chartered1980
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD-0.19%
Return on Equity - YTD-1.42%
Annual Interest Income$354.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$13.2MM$13.2MM
LoansQ3 2016vs Q3 2015$8.3MM$6.9MM
DepositsQ3 2016vs Q3 2015$11.4MM$11.3MM
Equity CapitalQ3 2016vs Q3 2015$1.8MM$1.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$97.00K$92.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$8.00K$84.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

O And R Utilities Employees Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Regular Share
0.05%--Holiday Club Account
0.05%--Vacation Club Account

O And R Utilities Employees Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$75k*-Money Market Account
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $40k | 0.20% $40k - $75k

O And R Utilities Employees Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%$500-60 Month Share Certificate
1.05%$500-36 to 59 Month Share Certificate
0.80%$500-24 to 35 Month Share Certificate
0.55%$500-18 to 23 Month Share Certificate
0.50%$500-12 to 17 Month Share Certificate
0.30%$500-6 to 11 Month Share Certificate
Locations


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