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Oswego Teachers Employees Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.80%SavingsHigh Yield Share Account
0.20%SavingsRegular Shares Account
0.20%SavingsMiscellaneous & Travel

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 130th largest credit union in the state of New York. It is also the 2,573rd largest credit union in the nation. It was established in 1961 and as of December of 2017, it had grown to 6 employees and 2,681 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
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD7.11%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$39.3MM$36.2MM
LoansQ4 2017vs Q4 2016$18.6MM$15.2MM
DepositsQ4 2017vs Q4 2016$34.9MM$32.1MM
Equity CapitalQ4 2017vs Q4 2016$4.2MM$3.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$159.00K$159.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$81.00K$18.00K
Real Estate OwnedQ4 2017vs Q4 2016$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% $2,500 - $25k | 0.55% $25k - $50k | 0.60% $50k - $100k | 0.70% $100k - $200k
0.40%--IRA Shares Account
0.20%--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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