Side-by-side · Q2 2026 data
Cypress Bank & Trust vs McCoy Federal Credit Union
Metric by metric
| Measure | Cypress Bank & Trust | McCoy Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 65 |
| Capital cushion | 68 (stronger) | 54 |
| Loan quality | 100 (stronger) | 80 |
| Earnings | 71 (stronger) | 35 |
| Funding & liquidity | 62 | 82 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 75th | 41st |
| Total assets | $256.8M | $1.0B |
| Deposits / shares | $219.3M | $900.7M |
| Capital ratio | 11.76% (stronger) | 10.45% |
| Problem loans | 0.00% (stronger) | 0.59% |
| Net charge-offs | 0.00% (stronger) | 0.62% |
| Return on assets | 1.26% (stronger) | 0.39% |
| Loans ÷ deposits | 76.6% (stronger) | 78.5% |
| Uninsured deposits | 34.9% | 5.7% (stronger) |
| Offices | 5 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 48.8% |
Cypress Bank & Trust has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Cypress Bank & Trust leads on 6 and McCoy Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.