Oswego County
Oswego, NY · Charter 21927 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$152.5MAssets
$104.4MLoans
$132.7MShares
$18.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 87% of credit unions under $1B in assets (rank 216 of 1683).
- Widest gap: nonperforming loans / loans trails 87% of credit unions under $1B in assets (rank 1458 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.24%
Rank 382 of 1,683
Net Interest Margin
4.78%
Rank 216 of 1,683
Efficiency Ratio
77.85%
Rank 826 of 1,682
Equity / Assets
12.07%
Rank 985 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.35% | 0.74% | 1.18% | Beats 77% | 382 / 1,683 | |
| Return on Equity | 10.26% | 2.67% | 5.89% | 8.74% | Beats 84% | 263 / 1,681 | |
| Net Interest Margin | 4.78% | 3.31% | 3.82% | 4.32% | Beats 87% | 216 / 1,683 | |
| Efficiency Ratio | 77.85% | 68.91% | 78.20% | 86.93% | Beats 51% | 826 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.06% | 0.26% | 0.65% | 1.29% | Beats 13% | 1,458 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.07% | 10.44% | 12.89% | 16.53% | Beats 41% | 985 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.07% | 10.44% | 12.89% | 16.53% | Beats 41% | 985 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 78.65% | 52.61% | 69.38% | 83.50% | 67th pctl | 558 / 1,683 | |
| Loans / Assets | 68.41% | 44.71% | 59.18% | 70.72% | 70th pctl | 501 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |