Side-by-side · Q2 2026 data
Bank of the Southwest vs Otero Federal Credit Union
Metric by metric
| Measure | Bank of the Southwest | Otero Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 95 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 76 | 91 (stronger) |
| Earnings | 63 | 89 (stronger) |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 26th | 98th |
| Total assets | $176.3M | $535.3M |
| Deposits / shares | $159.0M | $450.7M |
| Capital ratio | 9.36% | 15.54% (stronger) |
| Problem loans | 0.73% | 0.26% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.58% |
| Return on assets | 1.07% | 1.72% (stronger) |
| Loans ÷ deposits | 75.6% | 55.5% (stronger) |
| Uninsured deposits | 30.4% | 2.9% (stronger) |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | — |
Otero Federal Credit Union has the higher TellerScore (95 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Southwest leads on 1 and Otero Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.