Side-by-side · Q2 2026 data
Community Resource Federal Credit Union vs M. C. T. Federal Credit Union
Credit union
Community Resource Federal Credit Union
Latham, New York · $100 million – $1 billion
Credit union
M. C. T. Federal Credit Union
Amsterdam, New York · Under $100 million in assets
Metric by metric
| Measure | Community Resource Federal Credit Union | M. C. T. Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 94 (stronger) |
| Capital cushion | 71 | 94 (stronger) |
| Loan quality | 72 | 86 (stronger) |
| Earnings | 35 | 97 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 34th | 95th |
| Total assets | $120.3M | $73.3M |
| Deposits / shares | $105.8M | $61.8M |
| Capital ratio | 12.06% | 14.43% (stronger) |
| Problem loans | 0.83% | 0.41% (stronger) |
| Net charge-offs | 0.35% (stronger) | 0.50% |
| Return on assets | 0.37% | 1.94% (stronger) |
| Loans ÷ deposits | 93.7% | 12.0% (stronger) |
| Uninsured deposits | 7.0% | 2.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.2% | — |
M. C. T. Federal Credit Union has the higher TellerScore (94 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Community Resource Federal Credit Union leads on 1 and M. C. T. Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.