Side-by-side · Q2 2026 data
Cypress Bank & Trust vs Metro North Federal Credit Union
Credit union
Metro North Federal Credit Union
Jacksonville, Florida · Under $100 million in assets
Metric by metric
| Measure | Cypress Bank & Trust | Metro North Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 71 (stronger) | 37 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 75th | 83rd |
| Total assets | $256.8M | $21.7M |
| Deposits / shares | $219.3M | $17.9M |
| Capital ratio | 11.76% | 16.74% (stronger) |
| Problem loans | 0.00% (stronger) | 0.07% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.26% (stronger) | 0.42% |
| Loans ÷ deposits | 76.6% | 46.0% (stronger) |
| Uninsured deposits | 34.9% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Metro North Federal Credit Union has the higher TellerScore (87 vs 79). On the 6 directional measures above (where higher or lower is clearly better), Cypress Bank & Trust leads on 2 and Metro North Federal Credit Union on 4. 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.