Side-by-side · Q2 2026 data
Bank of Richmondville vs M. C. T. Federal Credit Union
Credit union
M. C. T. Federal Credit Union
Amsterdam, New York · Under $100 million in assets
Metric by metric
| Measure | Bank of Richmondville | M. C. T. Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 94 (stronger) |
| Capital cushion | 65 | 94 (stronger) |
| Loan quality | 94 (stronger) | 86 |
| Earnings | 48 | 97 (stronger) |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 68th | 95th |
| Total assets | $185.9M | $73.3M |
| Deposits / shares | $166.4M | $61.8M |
| Capital ratio | 11.54% | 14.43% (stronger) |
| Problem loans | 0.18% (stronger) | 0.41% |
| Net charge-offs | 0.04% (stronger) | 0.50% |
| Return on assets | 0.70% | 1.94% (stronger) |
| Loans ÷ deposits | 50.1% | 12.0% (stronger) |
| Uninsured deposits | 16.3% | 2.5% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | — |
M. C. T. Federal Credit Union has the higher TellerScore (94 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Bank of Richmondville leads on 2 and M. C. T. Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.