Side-by-side · Q2 2026 data
Grand Central Terminal Employees Federal Credit Union vs Concord Federal Credit Union
Credit union
Grand Central Terminal Employees Federal Credit Union
New York, New York · Under $100 million in assets
Metric by metric
| Measure | Grand Central Terminal Employees Federal Credit Union | Concord Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 68 (stronger) |
| Capital cushion | 69 (stronger) | 61 |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 0 | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 28th | 36th |
| Total assets | $6.6M | $6.9M |
| Deposits / shares | $5.8M | $6.1M |
| Capital ratio | 11.93% (stronger) | 11.14% |
| Problem loans | 0.77% | 0.00% (stronger) |
| Net charge-offs | -0.08% (stronger) | 3.84% |
| Return on assets | -0.53% (stronger) | -2.08% |
| Loans ÷ deposits | 21.0% | 7.2% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Concord Federal Credit Union has the higher TellerScore (68 vs 64). On the 6 directional measures above (where higher or lower is clearly better), Grand Central Terminal Employees Federal Credit Union leads on 3 and Concord Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.