Side-by-side · Q2 2026 data
Black Mountain Savings Bank, SSB vs Oteen V. A. Federal Credit Union
Bank
Black Mountain Savings Bank, SSB
Black Mountain, North Carolina · Under $100 million in assets
Credit union
Oteen V. A. Federal Credit Union
Asheville, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Black Mountain Savings Bank, SSB | Oteen V. A. Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 91 (stronger) |
| Capital cushion | 70 | 80 (stronger) |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 12 | 94 (stronger) |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 42nd | 90th |
| Total assets | $43.0M | $34.3M |
| Deposits / shares | $37.7M | $29.8M |
| Capital ratio | 11.99% | 13.04% (stronger) |
| Problem loans | 0.00% (stronger) | 0.15% |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | -0.21% | 1.84% (stronger) |
| Loans ÷ deposits | 74.7% | 49.5% (stronger) |
| Uninsured deposits | 10.1% | 1.8% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oteen V. A. Federal Credit Union has the higher TellerScore (91 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Black Mountain Savings Bank, SSB leads on 2 and Oteen V. A. Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.