Side-by-side · Q2 2026 data
Oswego Teachers Employees Federal Credit Union vs Compass 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 | Compass Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 89 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 25 | 69 (stronger) |
| Funding & liquidity | 84 | 97 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 47th | 94th |
| Total assets | $59.1M | $101.5M |
| Deposits / shares | $51.8M | $85.0M |
| Capital ratio | 11.73% | 15.28% (stronger) |
| Problem loans | 0.00% (stronger) | 0.46% |
| Net charge-offs | 0.03% (stronger) | 0.46% |
| Return on assets | 0.11% | 1.22% (stronger) |
| Loans ÷ deposits | 76.5% | 62.8% (stronger) |
| Uninsured deposits | 9.1% | 7.3% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 0.0% |
Compass Federal Credit Union has the higher TellerScore (89 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Oswego Teachers Employees Federal Credit Union leads on 2 and Compass Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.