Side-by-side · Q2 2026 data
Oswego Teachers Employees Federal Credit Union vs C C S E Federal Credit Union
Credit union
Oswego Teachers Employees Federal Credit Union
Oswego, New York · Under $100 million in assets
Metric by metric
| Measure | Oswego Teachers Employees Federal Credit Union | C C S E Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 67 (stronger) | 59 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 25 | 66 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 47th | 59th |
| Total assets | $59.1M | $61.1M |
| Deposits / shares | $51.8M | $54.4M |
| Capital ratio | 11.73% (stronger) | 10.94% |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | 0.03% (stronger) | 0.64% |
| Return on assets | 0.11% | 1.15% (stronger) |
| Loans ÷ deposits | 76.5% | 53.6% (stronger) |
| Uninsured deposits | 9.1% | 1.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
C C S E Federal Credit Union has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Oswego Teachers Employees Federal Credit Union leads on 3 and C C S E Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.