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O And R Utilities Employees Federal Credit Union

Popular Accounts at this Credit Union

1.76%5-year CD60 Month CD
0.55%1-year CD12 Month CD
0.05%SavingsRegular Share

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

O And R Utilities Employees Federal Credit Union is headquartered in Monroe and is the 208th largest credit union in the state of New York. It is also the 3,720th largest credit union in the nation. It was established in 1980 and as of December of 2017, it had grown to 3 employees and 1,231 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.
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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 And 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 - YTD0.79%
Return on Equity - YTD5.95%
Annual Interest Income$544.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$14.6MM$13.3MM
LoansQ4 2017vs Q4 2016$9.0MM$8.5MM
DepositsQ4 2017vs Q4 2016$12.6MM$11.4MM
Equity CapitalQ4 2017vs Q4 2016$1.9MM$1.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$66.00K$88.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$77.00K$8.00K
Real Estate OwnedQ4 2017vs Q4 2016$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 And R Utilities Employees Federal Credit Union Savings Account Rates

0.20%--Holiday Club Account
0.05%--Regular Share
0.05%--Vacation Club Account

O And R Utilities Employees Federal Credit Union Money Market Rates

0.40%*$75k*-Money Market Account
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $40k | 0.35% $40k - $75k

O And R Utilities Employees Federal Credit Union CD Rates

1.76%$500-60 Month CD
1.66%$500-18 Month CD
1.26%$500-36 Month CD
1.00%$500-24 Month CD
0.55%$500-12 Month CD
0.40%$500-6 Month CD

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

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