Side-by-side · Q2 2026 data
M C Bank & Trust Company vs St. Mary Parish School Emp. Federal Credit Union
Credit union
St. Mary Parish School Emp. Federal Credit Union
Franklin, Louisiana · Under $100 million in assets
Metric by metric
| Measure | M C Bank & Trust Company | St. Mary Parish School Emp. Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 85 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 84 (stronger) |
| Earnings | 0 | 47 (stronger) |
| Funding & liquidity | 56 | 100 (stronger) |
| Problem-loan coverage | 82 | 99 (stronger) |
| Peer percentile | 5th | 77th |
| Total assets | $710.0M | $455K |
| Deposits / shares | $480.6M | $349K |
| Capital ratio | 42.96% (stronger) | 22.66% |
| Problem loans | 5.84% | 0.49% (stronger) |
| Net charge-offs | 0.76% (stronger) | 3.83% |
| Return on assets | -2.56% | 0.67% (stronger) |
| Loans ÷ deposits | 71.1% | 17.9% (stronger) |
| Uninsured deposits | 44.6% | 0.0% (stronger) |
| Offices | 15 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.3% | — |
St. Mary Parish School Emp. Federal Credit Union has the higher TellerScore (85 vs 47). On the 7 directional measures above (where higher or lower is clearly better), M C Bank & Trust Company leads on 2 and St. Mary Parish School Emp. Federal Credit Union on 5. 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.