Side-by-side · Q2 2026 data
Alba-Golden Federal Credit Union vs Odessa Employees Credit Union
Metric by metric
| Measure | Alba-Golden Federal Credit Union | Odessa Employees Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 89 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 75 (stronger) | 46 |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 89th | 87th |
| Total assets | $22.2M | $21.0M |
| Deposits / shares | $18.1M | $17.5M |
| Capital ratio | 16.84% (stronger) | 16.15% |
| Problem loans | 0.01% | 0.00% (stronger) |
| Net charge-offs | 1.16% | -0.00% (stronger) |
| Return on assets | 1.38% (stronger) | 0.65% |
| Loans ÷ deposits | 92.6% | 60.7% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alba-Golden Federal Credit Union has the higher TellerScore (90 vs 89). On the 6 directional measures above (where higher or lower is clearly better), Alba-Golden Federal Credit Union leads on 3 and Odessa Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.