Side-by-side · Q2 2026 data
Solvay Bank vs Oswego County Federal Credit Union
Metric by metric
| Measure | Solvay Bank | Oswego County Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 63 |
| Capital cushion | 45 | 71 (stronger) |
| Loan quality | 96 (stronger) | 31 |
| Earnings | 50 | 70 (stronger) |
| Funding & liquidity | 64 | 82 (stronger) |
| Problem-loan coverage | 98 (stronger) | 77 |
| Peer percentile | 44th | 29th |
| Total assets | $1.2B | $152.5M |
| Deposits / shares | $1.1B | $132.7M |
| Capital ratio | 9.53% | 12.07% (stronger) |
| Problem loans | 0.11% (stronger) | 2.06% |
| Net charge-offs | -0.01% (stronger) | 0.39% |
| Return on assets | 0.76% | 1.24% (stronger) |
| Loans ÷ deposits | 69.9% (stronger) | 78.7% |
| Uninsured deposits | 38.2% | 3.8% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | 8.8% |
Solvay Bank has the higher TellerScore (67 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Solvay Bank leads on 4 and Oswego County Federal Credit Union on 3. 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.