Side-by-side · Q2 2026 data
TruPoint Bank vs Oteen V. A. Federal Credit Union
Credit union
Oteen V. A. Federal Credit Union
Asheville, North Carolina · Under $100 million in assets
Metric by metric
| Measure | TruPoint Bank | Oteen V. A. Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 91 (stronger) |
| Capital cushion | 56 | 80 (stronger) |
| Loan quality | 99 (stronger) | 95 |
| Earnings | 65 | 94 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 68th | 90th |
| Total assets | $690.8M | $34.3M |
| Deposits / shares | $593.7M | $29.8M |
| Capital ratio | 10.60% | 13.04% (stronger) |
| Problem loans | 0.02% (stronger) | 0.15% |
| Net charge-offs | -0.11% (stronger) | 0.16% |
| Return on assets | 1.12% | 1.84% (stronger) |
| Loans ÷ deposits | 77.7% | 49.5% (stronger) |
| Uninsured deposits | 17.1% | 1.8% (stronger) |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.0% | — |
Oteen V. A. Federal Credit Union has the higher TellerScore (91 vs 77). On the 7 directional measures above (where higher or lower is clearly better), TruPoint Bank leads on 2 and Oteen V. A. Federal Credit Union on 5. 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.