Credit union · NCUA insured
O&R Utilities Employees Federal Credit Union
A $34.8M credit union headquartered in Monroe, NY, with 1,957 members and 1 branch in New York. Best rates: CDs 4.07% and savings 2.25% APY.
O&R Utilities Employees Federal Credit Union Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#5 of 20 in Kiryas Joel, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About O&R Utilities Employees Federal Credit Union
O&R Utilities Employees Federal Credit Union was chartered on September 9, 1980 by a small group of O&R Utilities employees.
It was formed for the purpose of creating a place where employees could save and borrow safely, confidentially and at fair rates of interest.
- Headquarters
- 14 Talmadge Ct, Monroe, NY 10950-1526
- NCUA charter
- 23700
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- In 2007 the credit union amended its charter to include all entities dealing in electric power generation, transmission, or distribution in various counties throughout New York, New Jersey, and Pennsylvania.
Cost to join
- To become a member, open a share savings account with a minimum balance of $5.00 and no member fee.
Branches
1 branch in New York
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New York
1 branch
- MonroeMain office14 Talmadge Ct, Monroe, NY 10950Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.86% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.94% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.27% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $84 | $59 | — |
- CapitalNet worth ratio11.86%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.94%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.27%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$84Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of O&R Utilities Employees Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.