Side-by-side · Q2 2026 data
Otis Federal Credit Union vs Midcoast Federal Credit Union
Metric by metric
| Measure | Otis Federal Credit Union | Midcoast Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 48 | 86 (stronger) |
| Earnings | 70 (stronger) | 32 |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 78th | 37th |
| Total assets | $300.3M | $267.1M |
| Deposits / shares | $250.1M | $235.7M |
| Capital ratio | 16.12% (stronger) | 11.11% |
| Problem loans | 1.56% | 0.41% (stronger) |
| Net charge-offs | 0.32% | 0.30% (stronger) |
| Return on assets | 1.26% (stronger) | 0.31% |
| Loans ÷ deposits | 54.8% (stronger) | 91.2% |
| Uninsured deposits | 8.0% | 5.5% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Otis Federal Credit Union has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Otis Federal Credit Union leads on 4 and Midcoast Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.