Side-by-side · Q2 2026 data
M C Bank & Trust Company vs Riverland Federal Credit Union
Metric by metric
| Measure | M C Bank & Trust Company | Riverland Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 78 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 82 (stronger) |
| Earnings | 0 | 48 (stronger) |
| Funding & liquidity | 56 | 57 (stronger) |
| Problem-loan coverage | 82 | 94 (stronger) |
| Peer percentile | 5th | 74th |
| Total assets | $710.0M | $319.7M |
| Deposits / shares | $480.6M | $248.1M |
| Capital ratio | 42.96% (stronger) | 15.84% |
| Problem loans | 5.84% | 0.55% (stronger) |
| Net charge-offs | 0.76% | 0.66% (stronger) |
| Return on assets | -2.56% | 0.70% (stronger) |
| Loans ÷ deposits | 71.1% (stronger) | 103.0% |
| Uninsured deposits | 44.6% | 6.0% (stronger) |
| Offices | 15 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.3% | 20.7% |
Riverland Federal Credit Union has the higher TellerScore (78 vs 47). On the 7 directional measures above (where higher or lower is clearly better), M C Bank & Trust Company leads on 2 and Riverland Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.