Oswego County

OSWEGO, NY · 1 · Charter #21927 · www.oswegofcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$146.7M
71th percentile
Members
14,627
89th percentile
Total loans
$102.8M
77th percentile
Total shares
$127.6M
72th percentile

Profitability

Return on assets
1.47%
76th percentile
Net interest margin
4.82%
94th percentile
Efficiency ratio
70.38%
25th percentile
Non-interest income ratio
30.13%
93th percentile

Capital & Risk

Net worth ratio
11.91%
45th percentile
Delinquency rate
2.30%
8th percentile
Net charge-off rate
0.46%
37th percentile
Loan-to-share
80.54%
72th percentile

Growth

Member growth YoY
9.34%
97th percentile
Asset growth YoY
6.41%
72th percentile
Loan growth YoY
-1.16%
35th percentile
Share growth YoY
5.16%
65th percentile

Operations

Members / branch
2,925
45th percentile
Assets / member
$10,026
14th percentile
Field of membership penetration
12.19%
62th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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