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

Oswego Teachers Employees Federal Credit Union is headquartered in Oswego and is the 124th largest credit union in the state of New York. It is also the 2,522nd largest credit union in the nation. It was established in 1961 and as of September of 2018, it had grown to 5 employees and 2,707 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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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

NCUA #14436
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD6.39%
Annual Interest Income$964.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$41.5MM$39.3MM
LoansQ3 2018vs Q3 2017$21.5MM$18.1MM
DepositsQ3 2018vs Q3 2017$36.8MM$35.0MM
Equity CapitalQ3 2018vs Q3 2017$4.5MM$4.1MM
Loan Loss AllowanceQ3 2018vs Q3 2017$275.00K$196.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$26.00K$8.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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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

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

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

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