BlastPoint's Credit Union Scorecard
OSWEGO TEACHERS EMPLOYEES
Charter #14436 · NY
OSWEGO TEACHERS EMPLOYEES has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 1.7% in tier
- + Loan-to-Member Ratio (LMR): Top 1.8% in tier
- + Deposit Growth Rate: Top 6.8% in tier
- + Member Growth Rate: Top 7.0% in tier
- + Asset Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - First Mortgage Concentration (%): Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,569
+4.4% YoY+0.9% QoQ
|
-46 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
61% |
| Assets |
$59.9M
+10.8% YoY+7.8% QoQ
|
+$29.7M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$39.3M
+8.5% YoY+0.9% QoQ
|
+$23.5M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 10.9% in tier |
| Deposits |
$52.6M
+12.0% YoY+9.0% QoQ
|
+$26.9M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
0.4%
+7.3% YoY-8.8% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
2.8%
-3.2% YoY-1.9% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.6% in tier |
| Efficiency Ratio |
81.1%
-3.9% YoY-0.1% QoQ
|
-1.5% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate | 0.0% | -1.5 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 12.8% in tier |
| Loan To Share |
74.7%
-3.2% YoY-7.4% QoQ
|
+14.0% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$35,765
+5.8% YoY+4.4% QoQ
|
+$21K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 1.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)