Sep, 30, 2025 — O AND R UTILITIES EMPLOYEES FEDERAL CREDIT UNION is a federal credit union headquartered in MONROE, NY with 1 branch location and about $33.00 million in total assets. Opened 46 years ago in 1980, O AND R UTILITIES EMPLOYEES FEDERAL CREDIT UNION has about 1,938 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | O AND R UTILITIES EMPLOYEES FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 14 Talmadge Ct MONROE, NY 10950-1526 |
| Phone: | (845) 774-0831 |
| Fax: | (845) 774-0835 |
| Website: | https://www.orutilfcu.org |
| Branches: | 1 branch locations |
| Members: | 1,938 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 23700 |
|---|---|
| Membership Type: | Service - Communications and Utilities |
| Corporate Credit Union: | No |
| Year Opened: | 1980 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $33,003,312 |
| CEO/Manager: | Mitchell DeCoeur |
| Chairperson: | Armando Colarieti Jr. |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,469,266 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 11,924,849 |
| Unsecured Loans | 3,909,058 |
| Other Loans | 8,567,019 |
| TOTAL LOANS | 24,400,926 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -22,041 |
| Land And Building | 0 |
| Other Fixed Assets | 2,005 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 245,236 |
| All Other Assets | 0 |
| TOTAL ASSETS | 33,003,312 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 47,354 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 3,220,172 |
| Regular shares | 4,650,670 |
| All Other Shares & Deposits | 21,133,743 |
| TOTAL SHARES & DEPOSITS | 29,004,585 |
| TOTAL LIABILITIES | 29,051,939 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 3,951,373 |
| TOTAL EQUITY | 3,951,373 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 33,003,312 |
| INCOME & EXPENSE | |
| Loan Income | 1,418,046 |
| Investment Income | 154,661 |
| Other Income | 31,161 |
| Total Employee Compensation & Benefits | 377,572 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 280,115 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 248,000 |
| Cost of Funds | 559,094 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 207,324 |
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