Side-by-side · Q2 2026 data
Oteen V. A. Federal Credit Union vs Emergency Responders Credit Union
Credit union
Oteen V. A. Federal Credit Union
Asheville, North Carolina · Under $100 million in assets
Credit union
Emergency Responders Credit Union
Winston Salem, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Oteen V. A. Federal Credit Union | Emergency Responders Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 57 |
| Capital cushion | 80 (stronger) | 31 |
| Loan quality | 95 (stronger) | 72 |
| Earnings | 94 (stronger) | 50 |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 99 (stronger) | 84 |
| Peer percentile | 90th | 17th |
| Total assets | $34.3M | $30.2M |
| Deposits / shares | $29.8M | $27.5M |
| Capital ratio | 13.04% (stronger) | 8.12% |
| Problem loans | 0.15% (stronger) | 0.84% |
| Net charge-offs | 0.16% (stronger) | 1.96% |
| Return on assets | 1.84% (stronger) | 0.75% |
| Loans ÷ deposits | 49.5% (stronger) | 87.4% |
| Uninsured deposits | 1.8% (stronger) | 11.3% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oteen V. A. Federal Credit Union has the higher TellerScore (91 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Oteen V. A. Federal Credit Union leads on 7 and Emergency Responders Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.