Federal credit union · OSWEGO, New York · NCUA charter #14436
Oswego Teachers Employees
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $59.9M
- Total assets
- 2,569
- Members
- 10.8%
- Net-worth ratio
Oswego Teachers Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #14436. See our deposit-insurance coverage note.
Oswego Teachers Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)86
- Member growth95
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.77% | 30% |
| Delinquency Rate | 0.01% | 25% |
| Return on Assets | 0.36% | 15% |
| Member Growth | 4.43% | 15% |
| Loan-to-Share Ratio | 74.66% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Oswego Teachers Employees
Charter #14436, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Oswego Teachers Employees, a federal credit union in OSWEGO, New York with 2,569 members, $59.9M in total assets, and $39.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 97/100 (Excellent), helped by a net worth ratio of 10.77% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 74.66% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.01% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 0.36% on net income of $218K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.43%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Oswego Teachers Employees financially healthy?
Oswego Teachers Employees has a financial health score of 97/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.77% and delinquency rate of 0.01%.
How does Oswego Teachers Employees compare to other credit unions?
Oswego Teachers Employees scores 97/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Oswego Teachers Employees are 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 10.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Oswego Teachers Employees offer compared to banks?
Credit unions like Oswego Teachers Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Oswego Teachers Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.