Side-by-side · Q2 2026 data
First National Bank vs Otero Federal Credit Union
Metric by metric
| Measure | First National Bank | Otero Federal Credit Union |
|---|---|---|
| TellerScore | 42 | 95 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 63 | 89 (stronger) |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 21 | 98 (stronger) |
| Peer percentile | 3rd | 98th |
| Total assets | $452.8M | $535.3M |
| Deposits / shares | $425.4M | $450.7M |
| Capital ratio | 10.31% | 15.54% (stronger) |
| Problem loans | 5.29% | 0.26% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.58% |
| Return on assets | 1.08% | 1.72% (stronger) |
| Loans ÷ deposits | 50.7% (stronger) | 55.5% |
| Uninsured deposits | 35.9% | 2.9% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Otero Federal Credit Union has the higher TellerScore (95 vs 42). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 2 and Otero Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.