O And R Utilities Employees Federal Credit Union

Headquarters: Monroe, New York
Charter: Credit Union
Assets: $34.7M
Fed district: New York
Regulator: NCUA

Explore Hamilton View published fees

Compared with New York

11 of 16

compared fees are above the median.

2 below, 3 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
10th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 16 compared; 2 below, 3 about the same
See the fees
Fee schedule read Feb 17, 2026

How these figures are measured

Call-report figures are for O And R Utilities Employees Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out.	NCUA 5300 call report Account 131 / (Account 115 + Account 117)	Q2 2026 Year to date	Not recorded
Fees above the New York median	Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	O And R Utilities Employees Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Feb 17, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: O And R Utilities Employees Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was 1.7% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (10th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $11K in Q2 2026, 8.3% below the same quarter a year earlier ($12K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 16 compared published fees sit above the New York median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with New York medians for fees published by banks and credit unions.

Non-Network ATM
O And R Utilities Employees Federal Credit Union: $2
O And R Utilities Employees Federal Credit Union: $2
New York median: $1.5085 publishNew York district median: $1.50116 publishU.S. median: $1.501,648 publish
NSF / Returned Item
O And R Utilities Employees Federal Credit Union: $29
O And R Utilities Employees Federal Credit Union: $29
New York median: $30140 publishNew York district median: $30194 publishU.S. median: $302,857 publish
Wire Transfer (Domestic Out)
O And R Utilities Employees Federal Credit Union: $29
O And R Utilities Employees Federal Credit Union: $29
New York median: $25136 publishNew York district median: $25191 publishU.S. median: $252,629 publish

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 57% from Q3 2025 to Q2 2026, to $11K. Its share of revenue, 1.7%, is below the 7.2% median for credit unions with under $300M in assets.

Fee income, Q2 2026

$11K

$7KQ3 2025

$13KQ4 2025

$9KQ1 2026

$11KQ2 2026

Against the median (NY for fees)

Share of revenue1.7% / 7.2%
Non‑network ATM$2 / $1.50

O And R Utilities Employees Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Do waivers and balance requirements change what most customers actually pay?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

O And R Utilities Employees Federal Credit Union · $35M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$34M to $36M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
O And R Utilities Employees Federal Credit Union(this institution)	Monroe, NY	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Academic Federal Credit Union	Briarcliff Manor, NY	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpena Community Federal Credit Union	Alpena, MI	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpha Federal Credit Union	Boston, MA	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Brazos Star Federal Credit Union	College Station, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Canals & Trails Federal Credit Union	Lockport, IL	$34M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Chen-Del-O Federal Credit Union	Franklin, NY	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Christiansted Federal Credit Union	Christiansted, VI	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Common Cents Federal Credit Union	Beaumont, TX	$34M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ct Firefighters Federal Credit Union	Hartford, CT	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
ECU Federal Credit Union	Seminole, FL	$34M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
El Monte Community Federal Credit Union	El Monte, CA	$34M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Eweb Employees Federal Credit Union	Eugene, OR	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greater Valley Federal Credit Union	Fresno, CA	$34M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Jessop Community Federal Credit Union	Washington, PA	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Koin Federal Credit Union	Brentwood, TN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Montana Educators' Federal Credit Union	Missoula, MT	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northwestern Energy Employees Federal Credit Union	Butte, MT	$35M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nsp Federal Credit Union	Maplewood, MN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Outreach Federal Credit Union	Hermitage, TN	$35M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Postal Employees Federal Credit Union	Yardville, NJ	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Reliance Federal Credit Union	King of Prussia, PA	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Schofield Federal Credit Union	Wahiawa, HI	$34M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Service Plus Federal Credit Union	Moline, IL	$35M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U S P L K Employees Federal Credit Union	Leavenworth, KS	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Utility District Federal Credit Union	Oakland, CA	$34M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 21 publish this fee(domestic wire)

4 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Domestic wire is $9 (45%) above the median of similar-sized credit unions.

Its published price is $29, against a peer median of $20 among 21 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Domestic wire fee in dollars, one mark per institution

O And R Utilities Employe…Peer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's domestic wire fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for O And R Utilities Employees Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $11K
vs prior quarter: +$2K+22.2%; from Q1 2026
vs a year earlier: −$1K−8.3%; from Q2 2025
vs start of range: $00.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: O And R Utilities Employees Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$11K	+$2K	+22.2%
Q1 2026	$9K	−$4K	−30.8%
Q4 2025	$13K	+$6K	+85.7%
Q3 2025	$7K	−$5K	−41.7%
Q2 2025	$12K	$0	0.0%
Q1 2025	$12K	−$4K	−25.0%
Q4 2024	$16K	+$5K	+45.5%
Q3 2024	$11K	+$2K	+22.2%

Fee-income share against its size cohort

Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, O And R Utilities Employees Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

O And R Utilities Employees Federal Credit Union: 1.7%
Percentile: 10th
25th percentile: 3.7%
Median: 7.2%
75th percentile: 11%

O And R Utilities Employees Federal Credit Union 1.7%Median 7.2%Middle half 3.7% to 11.4%Peers at each share21 above 30%, counted in the last bar

Find a peer (2,932)

The 15 closest to O And R Utilities Employees Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

Amounts from O And R Utilities Employees Federal Credit Union’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Money Market Below Minimum Balance$20
Above the U.S. middle 50% ($5 to $10 nationally)
per month · when balance falls below $2,500
Abandoned Property$75
Above the U.S. middle 50% ($5 to $10 nationally)
I-Pay Inactivity Fee$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month · 3 months with no activity
Inactive Acct (2 Yrs No Activity, over 18): Quarterly$10
Not compared: Quarterly charge, not monthly
per quarter
Reconcilement of Account$30
Above the U.S. middle 50% ($7 to $25 nationally)
varies · per hour

Fee	Amount	Basis	Note
Account Maintenance
Money Market Below Minimum Balance	$20Above the U.S. middle 50% ($5 to $10 nationally)	per month	when balance falls below $2,500
Abandoned Property	$75Above the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
I-Pay Inactivity Fee	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	3 months with no activity
Inactive Acct (2 Yrs No Activity, over 18): Quarterly	$10Not compared: Quarterly charge, not monthly	per quarter	None
Reconcilement of Account	$30Above the U.S. middle 50% ($7 to $25 nationally)	varies	per hour
Overdraft & NSF
Returned Draft or ACH Payment	$29Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
Transfer From Shares to Share Draft to Cover Overdraft	$10Above the U.S. middle 50% ($2 to $5 nationally)	per item	None
ATM & Card
Out of Network ATM Fee	$2Inside the U.S. middle 50% ($1 to $2 nationally)	per item	per transaction
Out of Our Network ATM Fee: per Transaction	$2Inside the U.S. middle 50% ($1 to $2 nationally)	per transaction	None
Replacement Of Visa ATM/Debit Card	$5Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Wire Transfers
Domestic Wire Transfer - Outgoing	$29Above the U.S. middle 50% ($20 to $25 nationally)	per item	None
Foreign Wire Transfer - Outgoing	$60Above the U.S. middle 50% ($40 to $50 nationally)	per item	None
Check Services
CU Official Check	$5Inside the U.S. middle 50% ($3 to $6 nationally)	per item	payable to third party
CU Official Check, Payable To Third Party	$5Inside the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Stop Payment - ACH Payment	$29Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Photocopy of Drafts	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	per item
Digital & Electronic
Online Loan Payment Return Fee	$10Not compared: Per-occurrence charge, not monthly	per item	Propay
Account Services
Legal Process (ex: Levy, Notices, Trusts)	$100Above the U.S. middle 50% ($30 to $85 nationally)	Not stated	None
Legal Process Fee	$100Inside the U.S. middle 50% ($50 to $150 nationally)	per item	e.g., levy, notices, trusts
Account Verification	$15Inside the U.S. middle 50% ($5 to $15 nationally)	per item	None
Other Fees
Statement Copy over 90 days	$5Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None

Showing 5 of 21 fees.

Correct a fee source

Feb 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where O And R Utilities Employees Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

1 office in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Monroe, NY

Largest competitors nearby

Local market: Orange county, NY, around its headquarters.

24 in its local market	Deposit share
JPMorgan Chase Bank, National Association	22.6%
TD Bank, National Association	13.9%
Orange Bank & Trust Company	9.4%
Manufacturers and Traders Trust Company	7.6%
Walden Savings Bank	7.1%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

O And R Utilities Employees Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Domestic wire is $9 (45%) above the median of similar-sized credit unions.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at O And R Utilities Employees Federal Credit Union changes in our data

O And R Utilities Employees Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Domestic wire is $9 (45%) above the median of similar-sized credit unions.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at O And R Utilities Employees Federal Credit Union changes in our data