OSWEGO COUNTY
Federal • OSWEGO, New York • Est. 1975
Quick Facts
- Charter Number
- #21927
- Type
- Federal
- Established
- 1975
- Headquarters
- OSWEGO, New York 13126
- Address
- P.O. BOX 310
- Branches
- 5
- ATMs
- 5
- Members
- 14,627
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
14,627 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | OSWEGO COUNTY |
|---|---|
| Total Assets | $146.7M |
| Members | 14,627 |
| Loans Outstanding | $102.8M |
| Shares & Deposits | $127.6M |
| Net Worth | $17.5M |
| Net Worth Ratio | 11.91% |
| Loan-to-Share Ratio | 80.5% |
| Delinquency Rate | 2.30% |
| Net Income | +$2,162,014 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 5 ATMs
East Office
Main Office90 E Bridge St
Oswego, NY 13126
Mexico Office
5800 Scenic Ave
Mexico, NY 13114
Fulton Branch
707 s 4th st
Fulton, NY 13069
Oswego West
262 W Seneca St
Oswego, NY 13126
Phoenix
101 Volney ST
Phoenix, NY 13135
Who Can Join OSWEGO COUNTY?
Membership Type: Community
Membership eligibility for OSWEGO COUNTY may vary. Contact the credit union directly to confirm qualification requirements.
Contact OSWEGO COUNTY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. OSWEGO COUNTY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, OSWEGO COUNTY has 14,627 members and a potential membership field of 120,000 people.
OSWEGO COUNTY's net worth ratio is 11.91% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.9%, OSWEGO COUNTY meets this threshold.
OSWEGO COUNTY operates 5 branch locations and has access to 5 ATMs. The main office is located at 90 E Bridge St, Oswego, NY 13126.
OSWEGO COUNTY was established in 1975. It is a federal credit union chartered under charter number 21927. The institution has been serving members for 51 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or OSWEGO COUNTY. All financial data is for informational purposes only.