Oswego County Credit Union

Oswego County Credit Union is headquartered in Oswego and is the 115^st largest credit union in the state of New York. It is also the 2,408^th largest credit union in the nation. It was established in 1975 and as of December of 2011, it had grown to 16 employees and 7,248 members. Oswego County Credit Union's savings rates are 10X the national average, and it has a 4-star health rating.

Oswego County Credit Union Savings Account Rates

Oswego County Credit Union CD Rates

Oswego County Credit Union IRA Rates

Data for Q4 2011

Institution Statistics OSWEGO COUNTY NCUA # 21927 BankRate Report View Year Chartered 1975 Employees 16 Primary Regulator Assets and Liabilities Assets $44.06 million Loans $36.31 million Deposits $40.30 million Equity Capital $3.65 million Loan Loss Allowance $171,000 Unbacked Noncurrent Loans $575,000 Real Estate Owned $111,000 Historic Data - December 2010 Assets $38.52 million Equity Capital $3.24 million Loan Loss Allowance $168,000 Unbacked Noncurrent Loans $732,000 Real Estate Owned $58,000 Profit Margin - Quarterly Net Interest Margin 5.95% Return on Assets 0.94% Return on Equity 11.33% Interest Income $2.48 million Non-Interest Income $617,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Oswego County Credit Union had $686,000 in non-current loans and owned real-estate with $3.82 million in equity and loan loss allowances on hand to cover it. This gives Oswego County Credit Union a Texas Ratio of 17.93% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Oswego County Credit Union decreased slightly from 23.19% as of December 31, 2010 to 17.93% as of December 31, 2011, resulting in a positive change of 22.65%.This indicates that the balance sheet and financial strength for Oswego County Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Oswego County Credit Union has increased its total deposits by $5.61 million, resulting in 16.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Oswego County Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Oswego County Credit Union has $44.06 million in assets with $3.82 million in equity, resulting in a capitalization level of 8.68%, which is average.

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