Side-by-side · Q2 2026 data
Oteen V. A. Federal Credit Union vs Telco Community Credit Union
Credit union
Oteen V. A. Federal Credit Union
Asheville, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Oteen V. A. Federal Credit Union | Telco Community Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 76 |
| Capital cushion | 80 (stronger) | 74 |
| Loan quality | 95 (stronger) | 59 |
| Earnings | 94 (stronger) | 75 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 90th | 68th |
| Total assets | $34.3M | $429.3M |
| Deposits / shares | $29.8M | $371.1M |
| Capital ratio | 13.04% (stronger) | 12.43% |
| Problem loans | 0.15% (stronger) | 1.23% |
| Net charge-offs | 0.16% (stronger) | 0.16% |
| Return on assets | 1.84% (stronger) | 1.39% |
| Loans ÷ deposits | 49.5% (stronger) | 60.6% |
| Uninsured deposits | 1.8% (stronger) | 8.1% |
| Offices | 1 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.6% |
Oteen V. A. Federal Credit Union has the higher TellerScore (91 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Oteen V. A. Federal Credit Union leads on 7 and Telco Community Credit Union on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.