Sep, 30, 2025 — OSWEGO TEACHERS EMPLOYEES FEDERAL CREDIT UNION is a federal credit union headquartered in OSWEGO, NY with 1 branch location and about $55.56 million in total assets. Opened 65 years ago in 1961, OSWEGO TEACHERS EMPLOYEES FEDERAL CREDIT UNION has about 2,545 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | OSWEGO TEACHERS EMPLOYEES FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 90 W Utica St OSWEGO, NY 13126-3048 |
| Phone: | (315) 342-4574 |
| Fax: | (315) 342-2205 |
| Website: | https://www.oswegoteacherscu.org |
| Branches: | 1 branch locations |
| Members: | 2,545 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 14436 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1961 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $55,557,246 |
| CEO/Manager: | Joseph Dwyer |
| Chairperson: |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,313,978 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 23,464,752 |
| Unsecured Loans | 2,641,609 |
| Other Loans | 12,815,040 |
| TOTAL LOANS | 38,921,401 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -306,268 |
| Land And Building | 672,995 |
| Other Fixed Assets | 16,571 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 437,867 |
| All Other Assets | 0 |
| TOTAL ASSETS | 55,557,246 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 452,625 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,429,244 |
| Regular shares | 8,785,888 |
| All Other Shares & Deposits | 34,036,942 |
| TOTAL SHARES & DEPOSITS | 48,252,074 |
| TOTAL LIABILITIES | 48,704,699 |
| Regular Reserve | 0 |
| Other Reserves | 451,573 |
| Undivided Earnings | 6,400,974 |
| TOTAL EQUITY | 6,852,547 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 55,557,246 |
| INCOME & EXPENSE | |
| Loan Income | 1,318,618 |
| Investment Income | 543,811 |
| Other Income | 18,188 |
| Total Employee Compensation & Benefits | 665,070 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 393,628 |
| Non-operating Income & (Expense) | -63 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 45,000 |
| Cost of Funds | 657,598 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 201,148 |
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