Side-by-side · Q2 2026 data
Oteen V. A. Federal Credit Union vs McDowell Cornerstone Credit Union
Credit union
Oteen V. A. Federal Credit Union
Asheville, North Carolina · Under $100 million in assets
Credit union
McDowell Cornerstone Credit Union
Marion, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Oteen V. A. Federal Credit Union | McDowell Cornerstone Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 70 |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 95 (stronger) | 16 |
| Earnings | 94 (stronger) | 72 |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 99 (stronger) | 83 |
| Peer percentile | 90th | 40th |
| Total assets | $34.3M | $38.3M |
| Deposits / shares | $29.8M | $30.9M |
| Capital ratio | 13.04% | 17.72% (stronger) |
| Problem loans | 0.15% (stronger) | 2.53% |
| Net charge-offs | 0.16% (stronger) | 0.46% |
| Return on assets | 1.84% (stronger) | 1.31% |
| Loans ÷ deposits | 49.5% (stronger) | 72.6% |
| Uninsured deposits | 1.8% (stronger) | 4.7% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oteen V. A. Federal Credit Union has the higher TellerScore (91 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Oteen V. A. Federal Credit Union leads on 6 and McDowell Cornerstone Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.