Side-by-side · Q2 2026 data
Oswego Teachers Employees Federal Credit Union vs Oswego County 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 | Oswego County Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 63 |
| Capital cushion | 67 | 71 (stronger) |
| Loan quality | 100 (stronger) | 31 |
| Earnings | 25 | 70 (stronger) |
| Funding & liquidity | 84 (stronger) | 82 |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 47th | 29th |
| Total assets | $59.1M | $152.5M |
| Deposits / shares | $51.8M | $132.7M |
| Capital ratio | 11.73% | 12.07% (stronger) |
| Problem loans | 0.00% (stronger) | 2.06% |
| Net charge-offs | 0.03% (stronger) | 0.39% |
| Return on assets | 0.11% | 1.24% (stronger) |
| Loans ÷ deposits | 76.5% (stronger) | 78.7% |
| Uninsured deposits | 9.1% | 3.8% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 8.8% |
Oswego Teachers Employees Federal Credit Union has the higher TellerScore (73 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Oswego Teachers Employees Federal Credit Union leads on 4 and Oswego County Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.