Oswego Teachers Employees

OSWEGO, NY · 1 · Charter #14436 · www.oswegoteacherscu.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
$59.9M
11th percentile
Members
2,569
2th percentile
Total loans
$39.3M
26th percentile
Total shares
$48.9M
9th percentile

Profitability

Return on assets
0.55%
19th percentile
Net interest margin
2.69%
9th percentile
Efficiency ratio
53.61%
76th percentile
Non-interest income ratio
5.08%
4th percentile

Capital & Risk

Net worth ratio
11.52%
41th percentile
Delinquency rate
0.01%
99th percentile
Net charge-off rate
0.05%
92th percentile
Loan-to-share
80.38%
71th percentile

Growth

Member growth YoY
4.43%
92th percentile
Asset growth YoY
10.84%
90th percentile
Loan growth YoY
8.50%
82th percentile
Share growth YoY
4.08%
57th percentile

Operations

Members / branch
2,569
37th percentile
Assets / member
$23,310
91th percentile
Field of membership penetration
5.94%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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