TellerScore

Oswego Teachers Employees Federal Credit Union is a federal credit union headquartered in Oswego, New York, in business for about 65 years. At the end of Q2 2026 it reported $59.1M in total assets and $51.8M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Oswego Teachers Employees Federal Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 116th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (25/100; 0.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.73%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings25/100
Return on assets (annualized): 0.11%
Funding & liquidity84/100
Loans ÷ shares: 76.5% · 9.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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

From Q2 2025 to Q2 2026, the score fell 3 points (76 → 73), mostly because the earnings component weakened by 14 points.

TellerScore
727578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202478
Q4 202476
Q1 202576
Q2 202576
Q3 202576
Q4 202575
Q1 202672
Q2 202673
Net worth ratio
7.00%9.67%12.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.87%
Q3 202412.34%
Q4 202412.31%
Q1 202512.12%
Q2 202511.82%
Q3 202512.33%
Q4 202511.52%
Q1 202611.70%
Q2 202611.73%
Delinquent loans (60+ days)
0.00%0.02%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.03%
Q1 20250.00%
Q2 20250.00%
Q3 20250.04%
Q4 20250.01%
Q1 20260.02%
Q2 20260.00%
Return on assets
0.03%0.28%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.53%
Q4 20240.40%
Q1 20250.45%
Q2 20250.48%
Q3 20250.48%
Q4 20250.42%
Q1 20260.03%
Q2 20260.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$59.1M11.73%0.00%0.11%76.5%
Q1 202672$59.0M11.70%0.02%0.03%74.8%
Q4 202575$59.9M11.52%0.01%0.42%74.7%
Q3 202576$55.6M12.33%0.04%0.48%80.7%
Q2 202576$57.4M11.82%0.00%0.48%75.3%
Q1 202576$55.4M12.12%0.00%0.45%77.3%
Q4 202476$54.0M12.31%0.03%0.40%77.1%
Q3 202478$53.9M12.34%0.00%0.53%76.6%
Q2 202477$55.4M11.87%0.00%0.51%71.8%

2,479 peers · Under $100 million in assets

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 ratio11.73%
29th
Problem loans0.00%
94th
Net charge-offs0.03%
65th
Return on assets0.11%
24th
Loans to deposits76.5%
24th
Uninsured deposits9.1%
9th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

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Deposit insurance

Is my money safe at Oswego Teachers Employees Federal Credit Union?

Yes. Oswego Teachers Employees Federal Credit Union is a federally insured credit union (NCUA charter #14436). 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 9.1% of shares and deposits ($4.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.73%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Oswego Teachers Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Oswego Teachers Employees Federal Credit Union reported 15 home-loan applications under HMDA (LEI 25490069UL3FH6Q66B18): 15 originated ($1,605,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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 Teachers Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
14436
RSSD ID
226480
Primary regulator
NCUA
Established
1961
Headquarters
90 W Utica St, Po Box 878, Oswego, NY 13126
Employees
9

Quick answers

Oswego Teachers Employees Federal Credit Union: common questions

Is Oswego Teachers Employees Federal Credit Union NCUA insured?

Yes. Oswego Teachers Employees Federal Credit Union is a federally insured credit union (NCUA charter #14436). 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 Teachers Employees Federal Credit Union's TellerScore?

73 out of 100 (Strong), 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 Teachers Employees Federal Credit Union have?

1 office 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
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
NBT Bank, National AssociationBank Norwich, NY64 out of 100, Moderate$16.1B9.5%0.55%vs