Side-by-side · Q2 2026 data
Velma Federal Credit Union vs Otoe-Missouria Federal Credit Union
Metric by metric
| Measure | Velma Federal Credit Union | Otoe-Missouria Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 26 |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 48 (stronger) | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 59 | 67 (stronger) |
| Problem-loan coverage | 81 (stronger) | 31 |
| Peer percentile | 62nd | 1st |
| Total assets | $3.1M | $3.5M |
| Deposits / shares | $2.6M | $3.1M |
| Capital ratio | 15.16% (stronger) | 9.17% |
| Problem loans | 1.55% (stronger) | 4.55% |
| Net charge-offs | 0.30% (stronger) | 5.12% |
| Return on assets | 2.08% (stronger) | -3.74% |
| Loans ÷ deposits | 100.9% | 62.0% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 42.7% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Velma Federal Credit Union has the higher TellerScore (79 vs 26). On the 7 directional measures above (where higher or lower is clearly better), Velma Federal Credit Union leads on 6 and Otoe-Missouria Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.