Side-by-side · Q2 2026 data
Fulton Savings Bank vs Oswego County Federal Credit Union
Metric by metric
| Measure | Fulton Savings Bank | Oswego County Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 77 (stronger) | 31 |
| Earnings | 92 (stronger) | 70 |
| Funding & liquidity | 68 | 82 (stronger) |
| Problem-loan coverage | 97 (stronger) | 77 |
| Peer percentile | 92nd | 29th |
| Total assets | $492.3M | $152.5M |
| Deposits / shares | $283.8M | $132.7M |
| Capital ratio | 31.44% (stronger) | 12.07% |
| Problem loans | 0.70% (stronger) | 2.06% |
| Net charge-offs | 0.01% (stronger) | 0.39% |
| Return on assets | 1.79% (stronger) | 1.24% |
| Loans ÷ deposits | 92.0% | 78.7% (stronger) |
| Uninsured deposits | 4.9% | 3.8% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.8% |
Fulton Savings Bank has the higher TellerScore (88 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Fulton Savings Bank leads on 5 and Oswego County Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fulton, NY
- Phoenix, NY