Overview / Commentary
315-342-4574
113 W Albany St
Oswego, NY 13126-2410

Oswego Teachers Employees Federal Credit Union is headquartered in Oswego and is the 127th largest credit union in the state of New York. It is also the 2,526th largest credit union in the nation. It was established in 1961 and as of June of 2018, it had grown to 4 employees and 2,706 members at 1 location. Oswego Teachers Employees Federal Credit Union's savings rates are 54% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of the A.P.W., Hannibal, Oswego, Central Square, Mexico, Pulaski, Sandy Creek school districts, B.O.C.E.S. and the Oswego City Library.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Oswego Teachers Employees Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #14436
Year Chartered1961
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD6.16%
Annual Interest Income$631.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$41.9MM$39.4MM
LoansQ2 2018vs Q2 2017$20.0MM$16.9MM
DepositsQ2 2018vs Q2 2017$37.3MM$35.2MM
Equity CapitalQ2 2018vs Q2 2017$4.4MM$4.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$217.00K$188.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.00K$2.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Oswego Teachers Employees Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$200k*$1mHigh Yield Share Account
OTHER TIERS: 0.45% $2.5k - $25k | 0.55% $25k - $50k | 0.60% $50k - $100k | 0.70% $100k - $200k
0.40%$5-IRA Shares Account
0.20%$5-Regular Shares Account
0.20%--Summer Savings Shares
0.20%--Christmas Savings Shares
0.20%--Miscellaneous & Travel
Locations


Oswego Teachers Employees Federal Credit Union Locations
Branch Office113 W Albany StOswego, NY 13126-2410

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