THE INSTITUTION'S SCORE
Capital works as a cushion against losses and affords protection for members when a credit union is experiencing economic instability. It follows then that when it comes to measuring an a credit union's financial strength, capital is important. When looking at safety and soundness, the higher the capital, the better.
OSWEGO TEACHERS EMPLOYEES finished below the national average of 15.65 on our test to measure the adequacy of a credit union's capital, achieving a score of 12 out of a possible 30 points.
OSWEGO TEACHERS EMPLOYEES had a capitalization ratio of 12.00 percent in our test, lower than the average for all credit unions, a sign that it's on less solid financial footing than its peers.