Side-by-side · Q2 2026 data
Rt Federal Credit Union 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 | Rt Federal Credit Union | Oswego Teachers Employees Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 73 (stronger) |
| Capital cushion | 56 | 67 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 4 | 25 (stronger) |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 26th | 47th |
| Total assets | $59.2M | $59.1M |
| Deposits / shares | $52.6M | $51.8M |
| Capital ratio | 10.59% | 11.73% (stronger) |
| Problem loans | 0.49% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.03% |
| Return on assets | -0.39% | 0.11% (stronger) |
| Loans ÷ deposits | 42.1% (stronger) | 76.5% |
| Uninsured deposits | 4.2% (stronger) | 9.1% |
| Offices | 2 | 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 63). On the 7 directional measures above (where higher or lower is clearly better), Rt Federal Credit Union leads on 3 and Oswego Teachers Employees Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.