O AND R UTILITIES EMPLOYEES
Charter #23700 · Monroe, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.05% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.88% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.42% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 72nd — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | O AND R UTILITIES EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.79M | 72th pct | 61th pct |
| Members | 1,957 | 44th pct | 33th pct |
| Net worth ratio | 11.46% | 31th pct | 41th pct |
| Return on average assets | 0.05% | 20th pct | 23th pct |
| Net interest margin | 3.93% | 54th pct | 56th pct |
| Cost of funds | 2.88% | 98th pct | 97th pct |
| Loan-to-share | 84.18% | 88th pct | 72th pct |
| Delinquency 60+ days | 0.80% | 61th pct | 72th pct |
| Net charge-off ratio | 0.16% | 52th pct | 52th pct |
| Loan growth YoY | 6.22% | 95th pct | 90th pct |
| Share growth YoY | 6.16% | 81th pct | 79th pct |
| Efficiency ratio | 66.42% | 20th pct | 13th pct |
structural peer set hash: 2c84d331ea1ce55dce58d07b7e793e44… (reproducible)
Closest structural peers
This is the free public view
Claim O AND R UTILITIES EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.