Side-by-side · Q2 2026 data
Oswego County Federal Credit Union vs Alternatives Federal Credit Union
Metric by metric
| Measure | Oswego County Federal Credit Union | Alternatives Federal Credit Union |
|---|---|---|
| TellerScore | 63 (stronger) | 29 |
| Capital cushion | 71 (stronger) | 38 |
| Loan quality | 31 (stronger) | 0 |
| Earnings | 70 (stronger) | 0 |
| Funding & liquidity | 82 | 93 (stronger) |
| Problem-loan coverage | 77 (stronger) | 36 |
| Peer percentile | 29th | 0th |
| Total assets | $152.5M | $161.4M |
| Deposits / shares | $132.7M | $144.5M |
| Capital ratio | 12.07% (stronger) | 8.83% |
| Problem loans | 2.06% (stronger) | 4.71% |
| Net charge-offs | 0.39% (stronger) | 2.16% |
| Return on assets | 1.24% (stronger) | -1.01% |
| Loans ÷ deposits | 78.7% | 67.4% (stronger) |
| Uninsured deposits | 3.8% (stronger) | 8.3% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | 8.9% |
Oswego County Federal Credit Union has the higher TellerScore (63 vs 29). On the 7 directional measures above (where higher or lower is clearly better), Oswego County Federal Credit Union leads on 6 and Alternatives Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.