Side-by-side · Q2 2026 data
Norstate Federal Credit Union vs Otis Federal Credit Union
Metric by metric
| Measure | Norstate Federal Credit Union | Otis Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 80 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 42 | 48 (stronger) |
| Earnings | 40 | 70 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 76 | 91 (stronger) |
| Peer percentile | 16th | 78th |
| Total assets | $280.0M | $300.3M |
| Deposits / shares | $244.5M | $250.1M |
| Capital ratio | 11.59% | 16.12% (stronger) |
| Problem loans | 1.74% | 1.56% (stronger) |
| Net charge-offs | 0.15% (stronger) | 0.32% |
| Return on assets | 0.50% | 1.26% (stronger) |
| Loans ÷ deposits | 79.2% | 54.8% (stronger) |
| Uninsured deposits | 14.6% | 8.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Otis Federal Credit Union has the higher TellerScore (80 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Norstate Federal Credit Union leads on 1 and Otis Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.