Side-by-side · Q2 2026 data
Otero Federal Credit Union vs Guadalupe Credit Union
Metric by metric
| Measure | Otero Federal Credit Union | Guadalupe Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 91 (stronger) | 48 |
| Earnings | 89 (stronger) | 60 |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 98th | 45th |
| Total assets | $535.3M | $348.2M |
| Deposits / shares | $450.7M | $299.9M |
| Capital ratio | 15.54% (stronger) | 12.51% |
| Problem loans | 0.26% (stronger) | 1.57% |
| Net charge-offs | 0.58% (stronger) | 0.67% |
| Return on assets | 1.72% (stronger) | 1.01% |
| Loans ÷ deposits | 55.5% (stronger) | 71.0% |
| Uninsured deposits | 2.9% (stronger) | 10.7% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Otero Federal Credit Union has the higher TellerScore (95 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Otero Federal Credit Union leads on 7 and Guadalupe Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.