Side-by-side · Q2 2026 data
Oteen V. A. Federal Credit Union vs Shuford Federal Credit Union
Credit union
Oteen V. A. Federal Credit Union
Asheville, North Carolina · Under $100 million in assets
Credit union
Shuford Federal Credit Union
Hickory, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Oteen V. A. Federal Credit Union | Shuford Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 75 |
| Capital cushion | 80 | 87 (stronger) |
| Loan quality | 95 (stronger) | 70 |
| Earnings | 94 (stronger) | 65 |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 90th | 52nd |
| Total assets | $34.3M | $36.1M |
| Deposits / shares | $29.8M | $30.5M |
| Capital ratio | 13.04% | 13.71% (stronger) |
| Problem loans | 0.15% (stronger) | 0.89% |
| Net charge-offs | 0.16% | 0.13% (stronger) |
| Return on assets | 1.84% (stronger) | 1.14% |
| Loans ÷ deposits | 49.5% (stronger) | 93.9% |
| Uninsured deposits | 1.8% (stronger) | 3.7% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Oteen V. A. Federal Credit Union has the higher TellerScore (91 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Oteen V. A. Federal Credit Union leads on 5 and Shuford Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.