Side-by-side · Q2 2026 data
Savannah Bank National Association 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 | Savannah Bank National Association | Oswego Teachers Employees Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 73 (stronger) |
| Capital cushion | 39 | 67 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 47 (stronger) | 25 |
| Funding & liquidity | 79 | 84 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 31st | 47th |
| Total assets | $187.2M | $59.1M |
| Deposits / shares | $170.3M | $51.8M |
| Capital ratio | 8.92% | 11.73% (stronger) |
| Problem loans | 0.23% | 0.00% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.03% |
| Return on assets | 0.66% (stronger) | 0.11% |
| Loans ÷ deposits | 52.8% (stronger) | 76.5% |
| Uninsured deposits | 33.9% | 9.1% (stronger) |
| Offices | 5 | 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 66). On the 7 directional measures above (where higher or lower is clearly better), Savannah Bank National Association 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.