OSWEGO TEACHERS EMPLOYEES
Charter #14436 · OSWEGO, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,587 sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 0.03% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 2.70% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.05% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.02% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | OSWEGO TEACHERS EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $59.01M | 23th pct | 20th pct |
| Members | 2,587 | 5th pct | 10th pct |
| Net worth ratio | 11.70% | 38th pct | 54th pct |
| Return on average assets | 0.03% | 14th pct | 10th pct |
| Net interest margin | 2.70% | 8th pct | 8th pct |
| Cost of funds | 2.05% | 93th pct | 93th pct |
| Loan-to-share | 74.78% | 76th pct | 67th pct |
| Delinquency 60+ days | 0.02% | 3th pct | 5th pct |
| Net charge-off ratio | -0.01% | 11th pct | 13th pct |
| Loan growth YoY | -0.63% | 59th pct | 41th pct |
| Share growth YoY | 7.19% | 89th pct | 85th pct |
| Efficiency ratio | 94.74% | 89th pct | 87th pct |
structural peer set hash: 1a1cad34c406348058a54e86fa199004… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.