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Oswego Teachers Employees

Oswego, NY · Charter 14436

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

38

Q2 2024Q2 2026Peer median (50)

Asset Quality

100

Q2 2024Q2 2026Peer median (50)

Profitability

13

Q2 2024Q2 2026Peer median (50)

Liquidity

68

Q2 2024Q2 2026Peer median (100)

Efficiency

15

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-12

Oswego Teachers Employees

Oswego, NY · Charter 14436

NCUA · 1 branch

Q2 2026

$59.1MAssets
$39.6MLoans
$51.8MShares
$6.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.11%, down 36 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.73%, down 9 bps from a year ago.
  • Funding: loans stand at 76.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.11%-36 bps YoY

Net Interest Margin (YTD, annualized)

2.77%-2 bps YoY

Efficiency Ratio (YTD, annualized)

92.12%+1,137 bps YoY

Net Worth / Assets

11.73%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.48%0.42%0.03%0.11%-36 bps
Return on Equity4.03%3.91%3.62%0.28%0.97%-306 bps
Net Interest Margin2.79%2.89%2.69%2.72%2.77%-2 bps
Efficiency Ratio80.75%81.14%81.08%94.74%92.12%+1,137 bps
Growth
Asset Growth (YoY)3.65%3.11%10.84%6.49%2.95%-71 bps
Loan Growth (YoY)8.74%8.75%8.50%3.64%4.97%-377 bps
Share Growth (YoY)3.76%3.23%12.05%7.19%3.20%-56 bps
Asset Quality
Delinquent Loans / Loans0.00%0.04%0.01%0.02%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.82%12.33%11.52%11.70%11.73%-9 bps
Net Worth / Assets11.82%12.33%11.52%11.70%11.73%-9 bps
Liquidity & Funding
Loans / Shares75.26%80.66%74.66%74.78%76.55%+129 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-12

Oswego Teachers Employees

Oswego, NY · Charter 14436 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$59.1MAssets
$39.6MLoans
$51.8MShares
$6.9MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
  • Widest gap: net interest margin trails 92% of credit unions under $1B in assets (rank 1553 of 1683).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.12%

Rank 1,437 of 1,683

Net Interest Margin

2.77%

Rank 1,553 of 1,683

Efficiency Ratio

92.09%

Rank 1,438 of 1,682

Equity / Assets

11.73%

Rank 1,036 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.12%0.35%0.74%1.18%Beats 15%1,437 / 1,683
Return on Equity0.98%2.67%5.89%8.74%Beats 15%1,430 / 1,681
Net Interest Margin2.77%3.31%3.82%4.32%Beats 8%1,553 / 1,683
Efficiency Ratio92.09%68.91%78.20%86.93%Beats 15%1,438 / 1,682
Asset Quality
Nonperforming Loans / Loans0.00%0.26%0.65%1.29%Beats 100%132 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.73%10.44%12.89%16.53%Beats 38%1,036 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.73%10.44%12.89%16.53%Beats 38%1,036 / 1,683
Liquidity & Funding
Loans / Deposits76.55%52.61%69.38%83.50%63rd pctl629 / 1,683
Loans / Assets67.04%44.71%59.18%70.72%67th pctl562 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution