Side-by-side · Q2 2026 data
Estacado Federal Credit Union vs Otero Federal Credit Union
Metric by metric
| Measure | Estacado Federal Credit Union | Otero Federal Credit Union |
|---|---|---|
| TellerScore | 87 | 95 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 76 | 91 (stronger) |
| Earnings | 92 (stronger) | 89 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 91st | 98th |
| Total assets | $120.0M | $535.3M |
| Deposits / shares | $102.4M | $450.7M |
| Capital ratio | 14.05% | 15.54% (stronger) |
| Problem loans | 0.73% | 0.26% (stronger) |
| Net charge-offs | 0.66% | 0.58% (stronger) |
| Return on assets | 1.79% (stronger) | 1.72% |
| Loans ÷ deposits | 75.0% | 55.5% (stronger) |
| Uninsured deposits | 5.2% | 2.9% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Otero Federal Credit Union has the higher TellerScore (95 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Estacado Federal Credit Union leads on 1 and Otero Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.