Side-by-side · Q2 2026 data
Cy-Fair Federal Credit Union vs McT Credit Union
Metric by metric
| Measure | Cy-Fair Federal Credit Union | McT Credit Union |
|---|---|---|
| TellerScore | 65 | 69 (stronger) |
| Capital cushion | 45 | 51 (stronger) |
| Loan quality | 58 | 90 (stronger) |
| Earnings | 76 (stronger) | 39 |
| Funding & liquidity | 89 | 90 (stronger) |
| Problem-loan coverage | 82 | 96 (stronger) |
| Peer percentile | 34th | 48th |
| Total assets | $383.5M | $415.2M |
| Deposits / shares | $346.1M | $363.0M |
| Capital ratio | 9.54% | 10.10% (stronger) |
| Problem loans | 1.26% | 0.29% (stronger) |
| Net charge-offs | 0.86% | 0.12% (stronger) |
| Return on assets | 1.39% (stronger) | 0.49% |
| Loans ÷ deposits | 71.2% | 70.2% (stronger) |
| Uninsured deposits | 3.3% | 0.0% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | 14.4% |
McT Credit Union has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Cy-Fair Federal Credit Union leads on 1 and McT Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.