Side-by-side · Q2 2026 data
First National Bank of Scotia 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 | First National Bank of Scotia | M. C. T. Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 94 (stronger) |
| Capital cushion | 42 | 94 (stronger) |
| Loan quality | 50 | 86 (stronger) |
| Earnings | 49 | 97 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 11th | 95th |
| Total assets | $719.0M | $73.3M |
| Deposits / shares | $632.0M | $61.8M |
| Capital ratio | 9.22% | 14.43% (stronger) |
| Problem loans | 1.50% | 0.41% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.50% |
| Return on assets | 0.74% | 1.94% (stronger) |
| Loans ÷ deposits | 80.9% | 12.0% (stronger) |
| Uninsured deposits | 16.4% | 2.5% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | — |
M. C. T. Federal Credit Union has the higher TellerScore (94 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Scotia leads on 1 and M. C. T. Federal Credit Union on 6. 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.