Side-by-side · Q2 2026 data
Otero Federal Credit Union vs Loco Credit Union
Metric by metric
| Measure | Otero Federal Credit Union | Loco Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 46 |
| Capital cushion | 100 (stronger) | 80 |
| Loan quality | 91 (stronger) | 0 |
| Earnings | 89 (stronger) | 4 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 98 (stronger) | 78 |
| Peer percentile | 98th | 6th |
| Total assets | $535.3M | $60.8M |
| Deposits / shares | $450.7M | $52.3M |
| Capital ratio | 15.54% (stronger) | 12.95% |
| Problem loans | 0.26% (stronger) | 3.20% |
| Net charge-offs | 0.58% (stronger) | 1.80% |
| Return on assets | 1.72% (stronger) | -0.40% |
| Loans ÷ deposits | 55.5% | 46.1% (stronger) |
| Uninsured deposits | 2.9% (stronger) | 22.3% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Otero Federal Credit Union has the higher TellerScore (95 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Otero Federal Credit Union leads on 6 and Loco Credit Union on 1. 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.