O and R Utilities Employees

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$33.2M

81^th percentile

Members

1,996

66^th percentile

Total loans

$24.8M

94^th percentile

Total shares

$27.5M

80^th percentile

Profitability

Return on assets

1.07%

62^th percentile

Net interest margin

4.09%

54^th percentile

Efficiency ratio

39.06%

93^th percentile

Non-interest income ratio

5.50%

36^th percentile

Capital & Risk

Net worth ratio

11.95%

30^th percentile

Delinquency rate

0.19%

72^th percentile

Net charge-off rate

1.13%

14^th percentile

Loan-to-share

90.35%

88^th percentile

Growth

Member growth YoY

7.08%

95^th percentile

Asset growth YoY

11.52%

94^th percentile

Loan growth YoY

0.63%

65^th percentile

Share growth YoY

21.13%

98^th percentile

Operations

Members / branch

1,996

78^th percentile

Assets / member

$16,647

90^th percentile

Field of membership penetration

7.98%

22^th percentile

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