Side-by-side · Q2 2026 data
Valley Bank of Commerce vs Otero Federal Credit Union
Metric by metric
| Measure | Valley Bank of Commerce | Otero Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 95 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 100 (stronger) | 89 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 77 | 98 (stronger) |
| Peer percentile | 26th | 98th |
| Total assets | $304.1M | $535.3M |
| Deposits / shares | $260.2M | $450.7M |
| Capital ratio | 14.47% | 15.54% (stronger) |
| Problem loans | 3.32% | 0.26% (stronger) |
| Net charge-offs | -0.15% (stronger) | 0.58% |
| Return on assets | 3.53% (stronger) | 1.72% |
| Loans ÷ deposits | 59.6% | 55.5% (stronger) |
| Uninsured deposits | 57.0% | 2.9% (stronger) |
| Offices | 2 | 5 |
| 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), Valley Bank of Commerce leads on 2 and Otero Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.