Side-by-side · Q2 2026 data
M. C. T. Federal Credit Union vs First Choice Financial Federal Credit Union
Credit union
M. C. T. Federal Credit Union
Amsterdam, New York · Under $100 million in assets
Credit union
First Choice Financial Federal Credit Union
Gloversville, New York · $100 million – $1 billion
Metric by metric
| Measure | M. C. T. Federal Credit Union | First Choice Financial Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 72 |
| Capital cushion | 94 (stronger) | 81 |
| Loan quality | 86 (stronger) | 43 |
| Earnings | 97 (stronger) | 64 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 95th | 57th |
| Total assets | $73.3M | $183.7M |
| Deposits / shares | $61.8M | $161.7M |
| Capital ratio | 14.43% (stronger) | 13.05% |
| Problem loans | 0.41% (stronger) | 1.70% |
| Net charge-offs | 0.50% (stronger) | 0.57% |
| Return on assets | 1.94% (stronger) | 1.11% |
| Loans ÷ deposits | 12.0% (stronger) | 56.1% |
| Uninsured deposits | 2.5% (stronger) | 4.9% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
M. C. T. Federal Credit Union has the higher TellerScore (94 vs 72). On the 7 directional measures above (where higher or lower is clearly better), M. C. T. Federal Credit Union leads on 7 and First Choice Financial Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.