# OSWEGO HERITAGE
FULTON, NY · NCUA charter 7938 · asset band <$50M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/oswego-heritage-7938

Who the members are: federal charter, multiple common bond, organized 1952, low-income designated. 1,744 members of 28,000 potential (6.2% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $14.4M |
| Members | 1,744 (– YoY) |
| Full-time staff | 4 |
| Net worth | $1.2M |
| Net worth ratio | 8.4% (p15 of band) |
| ROA (annualized) | -0.20% (p20 of band) |
| Total delinquency | 0.44% (p35 of band) |
| Net charge-offs (annualized) | 0.44% (p68 of band) |
| Loans / shares | 45% (p33 of band) |
| Cash / assets | 8.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.67% (p38 of band) |
| Operating expense / assets | 3.29% (p48 of band) |
| Vehicles % of loans | 36% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.00% (p63 of band) |
| Vehicle NCO | 0.00% (p29 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 15% |
| Average share balance | $4,074 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $5,288 |
| Loans granted, annualized | $2.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 2 |  |  |

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

- 2016-04-01 [Compass Credit Union Announces Merger - Oswego County Today](https://news.google.com/rss/articles/CBMihAFBVV95cUxNNUF1c002Wl9pMEZoYW1qeno5Rl9KVElCZ182TWJJb0w5TWl4M3h4OTN4YW1Rc0xrZkZ2N01Cb1luUVhwemE0RzE5cUpDQXBBWXJCS0N5elhLcTVhdUlGODRkU1FiVkJlN0NBMXdHY200ekZUS19IWS1GVDg4OHp5RlRjLVU?oc=5) · Oswego County Today
- 2024-01-04 [Update from the President regarding administrative changes in the Office of Diversity and Inclusion and the Office of Accessibility Resources - Jan. 4, 2024 - SUNY Oswego](https://news.google.com/rss/articles/CBMiU0FVX3lxTE9LaGFIMmx1VU4zcFZwX0tJS1ZfcEw3cHBhV09FMXdGSFFVVFVZZWtGNEpMYVlQRmNnSXhNcTFvQWVHZHpfUjdtWFVTREp3cTNKbTdv?oc=5) · SUNY Oswego
- 2019-09-11 [Compass Federal Credit Union CEO Thomas O’Toole Retiring in Spring of 2020 - Oswego County Today](https://news.google.com/rss/articles/CBMitAFBVV95cUxPS0dkc0psWi1FdVRkWElGTnd2YUVqOHdheTF4OVJZdjg1bTdJbVdRa2w4NVQ1bTZZc1pnaGk2d1gycVJoYUlZTHZZcS1RVmtuZjNNMzlTcm1LdG8wN3EzUXlIV3FNSVlkWmFYeGhXc1c5WWo0UHdQWnVlWDVWZjVQMXhRQTNjZHp0aXBpQm9DTEdDTTlBR2JFZ1BtNHJJTGUzdTBXVFFTdHYxNGttR3Y2VURYbmY?oc=5) · Oswego County Today
- 2011-07-26 [Richard J. Delaney, Sr.,78 - Oswego County Today](https://news.google.com/rss/articles/CBMioAFBVV95cUxPZnNZajJwbnZzYTNXSlpHZzExV05ST2F5WjRFcldRNENTZEtjNnJJX2hqQ0xfZTQyYnc3bFdFWnhveTd1T0s2LTQwZ0U0OWlzWnJwWmpqT2t2Z3g2U1AwZGJ6VWMzVDc2bHhTeFdmTW5vQTdtQWt1a2hoOEg4ZkRwMG5DX2oySjJwbU9QTFBWVmJuTFRVMUpIZDNHOUNBanJF?oc=5) · Oswego County Today

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7938 (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/2.json (key "7938", 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=7938
- 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.

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