Side-by-side · Q2 2026 data
Kenmore N. Y. Teachers Federal Credit Union vs M. C. T. Federal Credit Union
Credit union
Kenmore N. Y. Teachers Federal Credit Union
Buffalo, 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 | Kenmore N. Y. Teachers Federal Credit Union | M. C. T. Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 94 (stronger) |
| Capital cushion | 44 | 94 (stronger) |
| Loan quality | 71 | 86 (stronger) |
| Earnings | 45 | 97 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 28th | 95th |
| Total assets | $69.5M | $73.3M |
| Deposits / shares | $63.7M | $61.8M |
| Capital ratio | 9.39% | 14.43% (stronger) |
| Problem loans | 0.87% | 0.41% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.50% |
| Return on assets | 0.63% | 1.94% (stronger) |
| Loans ÷ deposits | 39.6% | 12.0% (stronger) |
| Uninsured deposits | 2.4% (stronger) | 2.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
M. C. T. Federal Credit Union has the higher TellerScore (94 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Kenmore N. Y. Teachers Federal Credit Union leads on 2 and M. C. T. Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.