Side-by-side · Q2 2026 data
Fulton Savings Bank vs Oswego Teachers Employees Federal Credit Union
Credit union
Oswego Teachers Employees Federal Credit Union
Oswego, New York · Under $100 million in assets
Metric by metric
| Measure | Fulton Savings Bank | Oswego Teachers Employees Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 92 (stronger) | 25 |
| Funding & liquidity | 68 | 84 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 92nd | 47th |
| Total assets | $492.3M | $59.1M |
| Deposits / shares | $283.8M | $51.8M |
| Capital ratio | 31.44% (stronger) | 11.73% |
| Problem loans | 0.70% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.79% (stronger) | 0.11% |
| Loans ÷ deposits | 92.0% | 76.5% (stronger) |
| Uninsured deposits | 4.9% (stronger) | 9.1% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Fulton Savings Bank has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Fulton Savings Bank leads on 5 and Oswego Teachers Employees Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.