Side-by-side · Q2 2026 data
Otis Federal Credit Union vs Downeast Credit Union
Metric by metric
| Measure | Otis Federal Credit Union | Downeast Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 38 |
| Loan quality | 48 | 68 (stronger) |
| Earnings | 70 (stronger) | 39 |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 91 (stronger) | 80 |
| Peer percentile | 78th | 10th |
| Total assets | $300.3M | $330.4M |
| Deposits / shares | $250.1M | $297.3M |
| Capital ratio | 16.12% (stronger) | 8.85% |
| Problem loans | 1.56% | 0.95% (stronger) |
| Net charge-offs | 0.32% | 0.31% (stronger) |
| Return on assets | 1.26% (stronger) | 0.48% |
| Loans ÷ deposits | 54.8% (stronger) | 94.2% |
| Uninsured deposits | 8.0% | 7.8% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.2% |
Otis Federal Credit Union has the higher TellerScore (80 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Otis Federal Credit Union leads on 4 and Downeast Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.