OSWEGO COUNTY
Charter #21927 · OSWEGO, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.14% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.78% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.28% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 48th percentile but its structural peers at the 30th — a 18-point gap showing why the peer definition matters.
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 COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $151.94M | 32th pct | 48th pct |
| Members | 14,601 | 57th pct | 52th pct |
| Net worth ratio | 11.77% | 54th pct | 64th pct |
| Return on average assets | 1.14% | 77th pct | 82th pct |
| Net interest margin | 4.78% | 94th pct | 89th pct |
| Cost of funds | 1.03% | 40th pct | 46th pct |
| Loan-to-share | 76.58% | 59th pct | 69th pct |
| Delinquency 60+ days | 2.28% | 96th pct | 92th pct |
| Net charge-off ratio | 0.34% | 48th pct | 30th pct |
| Loan growth YoY | -1.59% | 29th pct | 28th pct |
| Share growth YoY | 5.91% | 80th pct | 85th pct |
| Efficiency ratio | 74.89% | 38th pct | 26th pct |
structural peer set hash: d00fb006b5411b5d6e9563cdf70eba71… (reproducible)
Closest structural peers
This is the free public view
Claim OSWEGO COUNTY
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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.