TellerScore

Oswego County Federal Credit Union is a federal credit union headquartered in Oswego, New York, in business for about 51 years. At the end of Q2 2026 it reported $152.5M in total assets and $132.7M in member shares and deposits, with 5 offices.

Oswego County Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 187th. Funding & liquidity contributes the most (82/100, 79% loans-to-deposits, 4% uninsured); loan quality contributes the least (31/100, 2.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.07%
Loan quality31/100
Loans 60+ days delinquent ÷ total loans: 2.06%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity82/100
Loans ÷ shares: 78.7% · 3.8% uninsured
Problem-loan coverage77/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.70%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 63).

TellerScore
586572Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202463
Q4 202469
Q1 202567
Q2 202563
Q3 202572
Q4 202560
Q1 202659
Q2 202663
Net worth ratio
7.00%9.54%12.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.10%
Q3 202411.40%
Q4 202411.42%
Q1 202511.20%
Q2 202511.43%
Q3 202511.95%
Q4 202511.91%
Q1 202611.77%
Q2 202612.07%
Delinquent loans (60+ days)
0.86%1.58%2.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.09%
Q3 20241.66%
Q4 20240.99%
Q1 20250.86%
Q2 20251.62%
Q3 20250.99%
Q4 20252.30%
Q1 20262.28%
Q2 20262.06%
Return on assets
0.76%1.03%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20241.17%
Q4 20241.12%
Q1 20250.76%
Q2 20251.02%
Q3 20251.27%
Q4 20251.24%
Q1 20261.12%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$152.5M12.07%2.06%1.24%78.7%
Q1 202659$151.9M11.77%2.28%1.12%76.6%
Q4 202560$146.7M11.91%2.30%1.24%80.5%
Q3 202572$143.1M11.95%0.99%1.27%82.4%
Q2 202563$144.1M11.43%1.62%1.02%81.8%
Q1 202567$143.0M11.20%0.86%0.76%82.1%
Q4 202469$137.8M11.42%0.99%1.12%85.7%
Q3 202463$135.6M11.40%1.66%1.17%87.7%
Q2 202458$136.5M11.10%2.09%1.29%87.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.07%
59th
Problem loans2.06%
6th
Net charge-offs0.39%
46th
Return on assets1.24%
80th
Loans to deposits78.7%
44th
Uninsured deposits3.8%
74th
Loan-loss reserves0.00%
50th
Texas ratio11.7%
9th

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Deposit insurance

Is my money safe at Oswego County Federal Credit Union?

Yes. Oswego County Federal Credit Union is a federally insured credit union (NCUA charter #21927). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.8% of shares and deposits ($5.0M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.07%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Oswego County Federal Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Oswego County Federal Credit Union reported 142 home-loan applications under HMDA (LEI 549300D6JK30QTSRHB52): 104 originated ($6,930,000 total), 10 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Oswego County Federal Credit Union
Type
Federal credit union
NCUA charter #
21927
RSSD ID
741385
Primary regulator
NCUA
Established
1975
Headquarters
P.O. Box 310, Oswego, NY 13126
Employees
54

Quick answers

Oswego County Federal Credit Union: common questions

Is Oswego County Federal Credit Union NCUA insured?

Yes. Oswego County Federal Credit Union is a federally insured credit union (NCUA charter #21927). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Oswego County Federal Credit Union's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Oswego County Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oswego

InstitutionScoreAssetsCapitalProblem loansCompare
Compass Federal Credit UnionCredit union Oswego, NY89 out of 100, Very strong$101.5M15.3%0.46%vs
Fulton Savings BankBank Fulton, NY88 out of 100, Very strong$492.3M31.4%0.70%vs
Oswego Teachers Employees Federal Credit UnionCredit union Oswego, NY73 out of 100, Strong$59.1M11.7%0.00%vs
Solvay BankBank Solvay, NY67 out of 100, Moderate$1.2B9.5%0.11%vs
Sidney Federal Credit UnionCredit union Sidney, NY67 out of 100, Moderate$1.3B10.5%0.85%vs
Savannah Bank National AssociationBank Savannah, NY66 out of 100, Moderate$187.2M8.9%0.23%vs