Side-by-side · Q2 2026 data
Otero Federal Credit Union vs Zia Credit Union
Metric by metric
| Measure | Otero Federal Credit Union | Zia Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 91 (stronger) | 84 |
| Earnings | 89 (stronger) | 38 |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 98th | 31st |
| Total assets | $535.3M | $308.1M |
| Deposits / shares | $450.7M | $246.7M |
| Capital ratio | 15.54% (stronger) | 10.35% |
| Problem loans | 0.26% (stronger) | 0.48% |
| Net charge-offs | 0.58% | 0.35% (stronger) |
| Return on assets | 1.72% (stronger) | 0.45% |
| Loans ÷ deposits | 55.5% (stronger) | 89.1% |
| Uninsured deposits | 2.9% (stronger) | 5.1% |
| Offices | 5 | 3 |
| 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 6 and Zia Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.