Federal credit union · OSWEGO, New York · NCUA charter #14436
Oswego Teachers Employees
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $59.9M
- Total assets
- 2,569
- Members
- 11.7%
- Net-worth ratio
Oswego Teachers Employees scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $59.9M; members 2,569; net-worth ratio 11.70%; health rank #189 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#189 of 4,374 health · 2025Q4Oswego Teachers Employees · health 97/100 · $59.9M · 2025Q4
Call Report peers
Oswego Teachers Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Oswego Teachers Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Oswego Teachers Employees sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Oswego Teachers Employees
- Loan-to-Share Ratio leads the peer set - 74.66% here, 62.60% peer average (+12.06 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.92 pp (11.70% vs 13.62%).
Oswego Teachers Employees: in-state Call Report ranks
- Health composite ranks #12 of 272 among scored New York credit unions.
- Assets rank #115 of 272 inside New York ($59.9M reported).
- Member book place in New York: #155 of 272.
- One place up in New York, DANNEMORA (#11) ties at 97/100; one place down, PITTSFORD (#13) ties at 97/100.
Quarter path for Oswego Teachers Employees
Oswego Teachers Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.5% from $59.9M (2025Q4) to $59.0M (2026Q1).
- Net-worth ratio shifted +0.18 pp (11.52% → 11.70%).
This credit union's 11.70% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Oswego Teachers Employees gives up 3 points in total. Return on Assets costs the most, 2.1 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.9 pts
- Member Growth 14.3 pts
- Loan-to-Share Ratio 14.8 pts
Oswego Teachers Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.70% | -1.92 pp |
| Delinquency Rate | 0.01% | -0.96 pp |
| Return on Assets | 0.36% | -0.29 pp |
| Member Growth | 4.43% | - |
| Loan-to-Share Ratio | 74.66% | +12.06 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $59.0M | - |
| 2025Q4 | $59.9M | 2,569 |
| 2024Q4 | $54.0M | 2,460 |
| 2023Q4 | $53.9M | 2,423 |
Credit Union Details
- Charter Number
- 14436
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- OSWEGO
- Data Quarter
- 2025Q4
Branch Location
Oswego Teachers Employees operates a single office in Oswego, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Oswego Teachers Employees Fed. CU (Main Office) | Oswego, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Oswego Teachers Employees ranks #189 of 4,374 nationally on financial health and #12 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALCO
Frequently Asked Questions
Is Oswego Teachers Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Oswego Teachers Employees scores 97/100 (Excellent), with a 11.70% net worth ratio and 0.01% of loans delinquent. It ranks #189 of 4,374 nationally on health and #12 of 272 in New York.
How does Oswego Teachers Employees compare to other credit unions?
Oswego Teachers Employees scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (74.66% vs 62.60%). Its widest shortfall is net worth ratio (11.70% vs 13.62%).
How can I join Oswego Teachers Employees?
Oswego Teachers Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Oswego Teachers Employees directly for the exact boundaries and application steps.
Is my money safe at Oswego Teachers Employees?
Oswego Teachers Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Oswego Teachers Employees's net worth ratio of 11.70% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.