Side-by-side · Q2 2026 data
Access Federal Credit Union vs Mohawk Valley Federal Credit Union
Metric by metric
| Measure | Access Federal Credit Union | Mohawk Valley Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 80 (stronger) |
| Capital cushion | 44 | 80 (stronger) |
| Loan quality | 70 | 71 (stronger) |
| Earnings | 74 (stronger) | 68 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 51st | 65th |
| Total assets | $320.1M | $61.9M |
| Deposits / shares | $287.6M | $53.8M |
| Capital ratio | 9.40% | 12.95% (stronger) |
| Problem loans | 0.89% | 0.86% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.41% |
| Return on assets | 1.35% (stronger) | 1.20% |
| Loans ÷ deposits | 53.5% | 49.9% (stronger) |
| Uninsured deposits | 7.0% | 3.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | — |
Mohawk Valley Federal Credit Union has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Access Federal Credit Union leads on 2 and Mohawk Valley 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.