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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.12% | 0.35% | 0.74% | 1.18% | Beats 15% | 1,437 / 1,683 | |
| Return on Equity | 0.98% | 2.67% | 5.89% | 8.74% | Beats 15% | 1,430 / 1,681 | |
| Net Interest Margin | 2.77% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,553 / 1,683 | |
| Efficiency Ratio | 92.09% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,438 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.73% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,036 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.73% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,036 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 76.55% | 52.61% | 69.38% | 83.50% | 63rd pctl | 629 / 1,683 | |
| Loans / Assets | 67.04% | 44.71% | 59.18% | 70.72% | 67th pctl | 562 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |