Sep, 30, 2025 — OSWEGO COUNTY FEDERAL CREDIT UNION is a federal credit union headquartered in OSWEGO, NY with 5 branch locations and about $143.12 million in total assets. Opened 51 years ago in 1975, OSWEGO COUNTY FEDERAL CREDIT UNION has about 13,591 members and employs 54 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 COUNTY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 90 E Bridge St OSWEGO, NY 13126 |
| Phone: | (315) 343-7822 |
| Fax: | (315) 343-7826 |
| Website: | https://www.oswegofcu.org |
| Branches: | 5 branch locations |
| Members: | 13,591 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 21927 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1975 |
| Last Audited: | Sep 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $143,120,781 |
| CEO/Manager: | William Carhart |
| Chairperson: | Harrison Greeney |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 13,224,229 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 39,498,216 |
| Unsecured Loans | 21,469,572 |
| Other Loans | 42,152,821 |
| TOTAL LOANS | 103,120,609 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,102,047 |
| Land And Building | 6,327,783 |
| Other Fixed Assets | 197,668 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,133,503 |
| All Other Assets | 0 |
| TOTAL ASSETS | 143,120,781 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 2,460 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 879,469 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 29,971,480 |
| Regular shares | 55,329,206 |
| All Other Shares & Deposits | 39,820,061 |
| TOTAL SHARES & DEPOSITS | 125,120,747 |
| TOTAL LIABILITIES | 126,002,676 |
| Regular Reserve | 0 |
| Other Reserves | 418,114 |
| Undivided Earnings | 16,699,991 |
| TOTAL EQUITY | 17,118,105 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 143,120,781 |
| INCOME & EXPENSE | |
| Loan Income | 5,623,497 |
| Investment Income | 673,169 |
| Other Income | 421,945 |
| Total Employee Compensation & Benefits | 2,642,919 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,675,320 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 250,000 |
| Cost of Funds | 1,097,246 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,363,111 |
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