Side-by-side · Q2 2026 data
M. C. T. Federal Credit Union vs Directors Choice Credit Union
Credit union
M. C. T. Federal Credit Union
Amsterdam, New York · Under $100 million in assets
Metric by metric
| Measure | M. C. T. Federal Credit Union | Directors Choice Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 67 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 86 (stronger) | 0 |
| Earnings | 97 (stronger) | 81 |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 99 (stronger) | 79 |
| Peer percentile | 95th | 34th |
| Total assets | $73.3M | $11.9M |
| Deposits / shares | $61.8M | $9.1M |
| Capital ratio | 14.43% | 23.60% (stronger) |
| Problem loans | 0.41% (stronger) | 4.58% |
| Net charge-offs | 0.50% (stronger) | 2.64% |
| Return on assets | 1.94% (stronger) | 1.52% |
| Loans ÷ deposits | 12.0% (stronger) | 69.9% |
| Uninsured deposits | 2.5% (stronger) | 18.6% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
M. C. T. Federal Credit Union has the higher TellerScore (94 vs 67). On the 7 directional measures above (where higher or lower is clearly better), M. C. T. Federal Credit Union leads on 6 and Directors Choice Credit Union on 1. 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.