# OSWEGO COUNTY
OSWEGO, NY · NCUA charter 21927 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/oswego-county-21927

Who the members are: federal charter, multiple common bond, organized 1975, low-income designated. 14,601 members of 120,000 potential (12.2% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 86.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $151.9M |
| Members | 14,601 (9.0% YoY) |
| Full-time staff | 54 |
| Net worth | $17.9M |
| Net worth ratio | 11.8% (p52 of band) |
| ROA (annualized) | 1.12% (p75 of band) |
| Total delinquency | 2.28% (p95 of band) |
| Net charge-offs (annualized) | 0.34% (p50 of band) |
| Loans / shares | 77% (p63 of band) |
| Cash / assets | 25.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.69% (p91 of band) |
| Operating expense / assets | 5.70% (p94 of band) |
| Vehicles % of loans | 27% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.98% (p91 of band) |
| Vehicle NCO | 0.50% (p49 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 18% |
| Average share balance | $4,254 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.0M |
| Loans outstanding per 100 members | 86% |
| Loans granted per 100 members, annualized | 25% |
| Average loan balance | $8,122 |
| Loans granted, annualized | $24.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.0M outstanding purchased (22.5% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 5.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 3 | expense trap, delinquency 2x band |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 3 |  | delinquency rising |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | members leaving |  |
| 2018-09 | 3 |  | members leaving |
| 2018-12 | 4 | loans>95% of shares |  |
| 2019-03 | 3 |  | loans>95% of shares |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | delinquency rising |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 | members leaving | delinquency rising |
| 2020-06 | 6 | net worth falling, margin squeeze, charge-offs p90 | members leaving |
| 2020-09 | 6 |  |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 6 |  |  |
| 2021-06 | 4 |  | net worth falling, margin squeeze |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 2 |  | thin capital, charge-offs p90 |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 1 |  | delinquency 2x band |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | delinquency 2x band |  |
| 2025-09 | 1 |  | delinquency 2x band |
| 2025-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2026-03 | 4 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-11 [Credit Unions Continue to See Growth in Membership, Assets - Oswego County Business Magazine](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMERkZzJiZ3FTcWs2eEFoOUpRbUFCNTFPV2N0ckN3OXNVM1p5d3Zrb0UtMzZTRVp1QldlTUpTSmlpRmhhekQtNDllMWdadGlad2R6N21Qb052VDhwdlJ4TUlCZHdMOFcteERkSFVjTzgyWFdwMTN3RlJ6R21mS25sZmtDLVJ5S1U3OTRTNWFuSl9jWjdZZHc?oc=5) · Oswego County Business Magazine
- 2026-06-08 [Oswego County Federal Credit Union Sponsors ‘TGIF Concert Series’ For 3rd Straight Year - Oswego County Today](https://news.google.com/rss/articles/CBMivgFBVV95cUxOTlludlhnby1wdmt1M3FHSUUxVGxyNWVHN1hwNVNiTXdUdElZNFBFZlJWT3NaTXJEYUxCd2xJMm5FOFJQc3I4bG5NN1RMTUlaaUZQb2x3cTFkVHhBbWRSZ3lUT2diVUQ1enBBZzBiTm94N1hJTS1UX0djb21xMTZRVzlnUmc3amVrM00zV25rQm96UEJNUTdMVklTc0N4YkhiSWN0WEN1UzZVMWRIenJVOEtzZVAzSlg1Qk0zWG9B?oc=5) · Oswego County Today
- 2024-02-01 [Oswego County Federal Credit Union Announces Increased APY & APR Rates on Money Market Accounts - Oswego County Today](https://news.google.com/rss/articles/CBMizwFBVV95cUxPZ0pTQkdyOHozN2p0Yy0xSVpyRlpQYlFvSW0tUXNiMGw0bFdTWXVEZjBxMnBSMm5CTGtCNVB3WmRYNWgxMTM1ZEZiTnRyOVRzNFR3VkJqNDNadkNhNmhqQVlvY0d3VUZNeHZOSzI5OTZIOVJCaFJvX1NqSEZZcjZWSGtoUUpyU2h0ZWhscTJxMGo5TlRhZFVNOXhLQkhsR0RvRk5vX2J5MmxVMDNwRFhfdldwWDJudkJkdW1GSjdvUmllTDMtdFh2b2kxU3VORWs?oc=5) · Oswego County Today
- 2024-06-12 [Jen Wolfe, Chief operating officer, Empower Federal Credit Union - Oswego County Business Magazine](https://news.google.com/rss/articles/CBMiVkFVX3lxTFBFcjZOdUFjem5zN0ZXcDl1TWM1ZmRua0NTWVl0a2JvT214ZDVRWVMxVmlPN0w4bmEwSWFLMlFWdXJnN1ZNUmlPOVNQektNd092OEtvSDhR?oc=5) · Oswego County Business Magazine
- 2023-10-05 [Oswego County Federal Credit Union Members Can Earn a 3.25% Rebate on Checking Accounts - Oswego County Today](https://news.google.com/rss/articles/CBMixgFBVV95cUxQdTByX2FNamc3cGFkWkxzdE9FSElfaEx3ZTZWRk1sMFJHWjNJeVVqSjRBUVlGM0dLYTBMMUxWTWRjU2w1VzR0c1R3M3ZNd3JyUUV2YzVjQ3A2N3FiX3N0TnMyTTBQLXpTUHl5V010cks3Szdhbl9nQUUwNXZzVHpEMlQzbUl2cFJiTXRSYUYxTW5MalVBaVQtQmJWYkM1SEUxUXduWGxnTllBSTlnMnJ3RlBjQXFWTzBsV3FYWHFybXY3VS01Z2c?oc=5) · Oswego County Today
- 2019-10-31 [Oswego County Federal Credit Union Supports Giving Thanks - Oswego County Today](https://news.google.com/rss/articles/CBMinwFBVV95cUxNVTlIU1FxMXZZNVdSSmZuQ0JselJRZzJ1SzNjcmhLZ3Z3Qm5uU2FkWUFXSE5BeFR2R0tBeVY1amVOUzM3VHQ2dkFJclFHaWN1OW0tc21pT2stNXdXYXpXOE1RS0dxTnJXdGlNazFPUDB5ZG9kcDh2YjF0UTVBZU9VYjJoemNTUWtvTXF1UUV4cHM4eTE5VDNuZHV3b3RZaDA?oc=5) · Oswego County Today
- 2024-10-17 [Oswego County Federal Credit Union CEO Bill Carhart Celebrates 20 Years of Transformative Leadership - Oswego County Today](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNc0otRjdtdU1qaTdJdWVSNXAyRERvQlc4eUc4MFlaTVNJUnp5MV8zb1AyM2FFQ2FYakJFRnZRMHhVT04wc3JnUWtrOFllT1F4Ymt4MDdoSnBzSVBGelpteGZfbXFWVWpEUV81V05uOVZqVVVtYUt0aHRrSU1HdEpibS1wVTFhcXRhblRKbEh3eUhDLTNaRUpaam1IWHRpT093bTRPeDloUW5BWVJkMlRmeEVSQjdSVEJFUXI4Qk9wU0x3WlFZSVhiZS1GTzlxY3Y1ZkIzUHRTNzA?oc=5) · Oswego County Today
- 2021-03-09 [Atom Avery - Oswego County Today](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQVWlfZm96N1BZX09XR1AzdjBfaXdXQU1aQnQ1eUs5a1Rnb0lOX1JFbktMTUJfajJpeXBpdWpNeFFnR0xLVGJTMUNBeW5VTzBUQVNFZHluLWgtQTBkLV9fSE9aSzRFRXdpQ0hzU0ZxNl8zTV83MjVKYm9sWnYxZnc1aHpFNHRHMUhsY0piOTYwRkZYMHotRjFTaVd5UzlVa0EtLXp2b1ptT0VPbjEwZUpYbl9lRHVLOF9UczNDMWNhMWxLaV9YbFgwMA?oc=5) · Oswego County Today

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21927 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/39.json (key "21927", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=21927
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide