Side-by-side · Q2 2026 data
Pathfinder 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 | Pathfinder Bank | Oswego Teachers Employees Federal Credit Union |
|---|---|---|
| TellerScore | 42 | 73 (stronger) |
| Capital cushion | 46 | 67 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 57 (stronger) | 25 |
| Funding & liquidity | 76 | 84 (stronger) |
| Problem-loan coverage | 50 | 100 (stronger) |
| Peer percentile | 3rd | 47th |
| Total assets | $1.5B | $59.1M |
| Deposits / shares | $1.2B | $51.8M |
| Capital ratio | 9.64% | 11.73% (stronger) |
| Problem loans | 4.69% | 0.00% (stronger) |
| Net charge-offs | 0.48% | 0.03% (stronger) |
| Return on assets | 0.94% (stronger) | 0.11% |
| Loans ÷ deposits | 73.4% (stronger) | 76.5% |
| Uninsured deposits | 24.5% | 9.1% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Oswego Teachers Employees Federal Credit Union has the higher TellerScore (73 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Pathfinder Bank leads on 2 and Oswego Teachers Employees Federal Credit Union on 5. 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.