Side-by-side · Q2 2026 data
M. C. T. Federal Credit Union vs Greater Metro Federal Credit Union
Credit union
M. C. T. Federal Credit Union
Amsterdam, New York · Under $100 million in assets
Credit union
Greater Metro Federal Credit Union
Long Island CIT, New York · Under $100 million in assets
Metric by metric
| Measure | M. C. T. Federal Credit Union | Greater Metro Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 60 |
| Capital cushion | 94 (stronger) | 68 |
| Loan quality | 86 (stronger) | 39 |
| Earnings | 97 (stronger) | 33 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 84 |
| Peer percentile | 95th | 22nd |
| Total assets | $73.3M | $76.9M |
| Deposits / shares | $61.8M | $67.8M |
| Capital ratio | 14.43% (stronger) | 11.75% |
| Problem loans | 0.41% (stronger) | 1.83% |
| Net charge-offs | 0.50% | 0.32% (stronger) |
| Return on assets | 1.94% (stronger) | 0.32% |
| Loans ÷ deposits | 12.0% (stronger) | 31.2% |
| Uninsured deposits | 2.5% (stronger) | 8.7% |
| 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 60). On the 7 directional measures above (where higher or lower is clearly better), M. C. T. Federal Credit Union leads on 6 and Greater Metro Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.