Side-by-side · Q2 2026 data
Greater Together Federal Credit Union vs M. C. T. Federal Credit Union
Credit union
Greater Together Federal Credit Union
Niagara Falls, New York · Under $100 million in assets
Credit union
M. C. T. Federal Credit Union
Amsterdam, New York · Under $100 million in assets
Metric by metric
| Measure | Greater Together Federal Credit Union | M. C. T. Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 94 (stronger) |
| Capital cushion | 87 | 94 (stronger) |
| Loan quality | 45 | 86 (stronger) |
| Earnings | 80 | 97 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 57th | 95th |
| Total assets | $69.5M | $73.3M |
| Deposits / shares | $59.5M | $61.8M |
| Capital ratio | 13.69% | 14.43% (stronger) |
| Problem loans | 1.64% | 0.41% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.50% |
| Return on assets | 1.50% | 1.94% (stronger) |
| Loans ÷ deposits | 50.1% | 12.0% (stronger) |
| Uninsured deposits | 4.3% | 2.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
M. C. T. Federal Credit Union has the higher TellerScore (94 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Greater Together Federal Credit Union leads on 1 and M. C. T. Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.