Side-by-side · Q2 2026 data
Otero Federal Credit Union vs The Florist Federal Credit Union
Credit union
The Florist Federal Credit Union
Roswell, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Otero Federal Credit Union | The Florist Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 64 |
| Capital cushion | 100 | 100 |
| Loan quality | 91 (stronger) | 37 |
| Earnings | 89 (stronger) | 4 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 98th | 28th |
| Total assets | $535.3M | $7.1M |
| Deposits / shares | $450.7M | $6.0M |
| Capital ratio | 15.54% (stronger) | 15.13% |
| Problem loans | 0.26% (stronger) | 1.90% |
| Net charge-offs | 0.58% | 0.11% (stronger) |
| Return on assets | 1.72% (stronger) | -0.41% |
| Loans ÷ deposits | 55.5% (stronger) | 60.6% |
| Uninsured deposits | 2.9% | 1.7% (stronger) |
| 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 64). On the 7 directional measures above (where higher or lower is clearly better), Otero Federal Credit Union leads on 5 and The Florist Federal Credit Union on 2. 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.