Side-by-side · Q2 2026 data
Aod Federal Credit Union vs Winsouth Credit Union
Metric by metric
| Measure | Aod Federal Credit Union | Winsouth Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 82 (stronger) | 78 |
| Earnings | 72 (stronger) | 50 |
| Funding & liquidity | 96 (stronger) | 91 |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 94th | 45th |
| Total assets | $466.7M | $479.4M |
| Deposits / shares | $395.2M | $438.7M |
| Capital ratio | 16.36% (stronger) | 10.41% |
| Problem loans | 0.53% (stronger) | 0.65% |
| Net charge-offs | 0.58% (stronger) | 0.62% |
| Return on assets | 1.30% (stronger) | 0.74% |
| Loans ÷ deposits | 63.9% (stronger) | 69.6% |
| Uninsured deposits | 4.6% (stronger) | 8.2% |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | 39.4% |
Aod Federal Credit Union has the higher TellerScore (89 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Aod Federal Credit Union leads on 7 and Winsouth Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.