PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Oswego Teachers Employees

Oswego, NY · Charter 14436

NCUA · 1 branch

Q2 2026

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

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.

Return on Assets (quarter, annualized)

0.11%-36 bps YoY

Net Interest Margin (quarter, annualized)

2.77%-2 bps YoY

Efficiency Ratio (quarter, annualized)

92.12%+1,137 bps YoY

Net Worth / Assets

11.73%-9 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.40%0.45%0.48%0.48%0.42%0.03%0.11%-36 bps
Return on Equity4.28%3.27%3.73%4.03%3.91%3.62%0.28%0.97%-306 bps
Net Interest Margin2.88%2.88%2.86%2.79%2.89%2.69%2.72%2.77%-2 bps
Efficiency Ratio83.24%84.33%81.87%80.75%81.14%81.08%94.74%92.12%+1,137 bps
Growth
Asset Growth (YoY)-1.17%0.15%1.26%3.65%3.11%10.84%6.49%2.95%-71 bps
Loan Growth (YoY)0.51%1.76%6.00%8.74%8.75%8.50%3.64%4.97%-377 bps
Share Growth (YoY)-1.84%-0.08%1.04%3.76%3.23%12.05%7.19%3.20%-56 bps
Asset Quality
Delinquent Loans / Loans0.00%0.03%0.00%0.00%0.04%0.01%0.02%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.34%12.31%12.12%11.82%12.33%11.52%11.70%11.73%-9 bps
Net Worth / Assets12.34%12.31%12.12%11.82%12.33%11.52%11.70%11.73%-9 bps
Liquidity & Funding
Loans / Shares76.57%77.10%77.34%75.26%80.66%74.66%74.78%76.55%+129 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps