Side-by-side · Q2 2026 data
M. C. T. Federal Credit Union vs Hudson River Community Federal Credit Union
Credit union
M. C. T. Federal Credit Union
Amsterdam, New York · Under $100 million in assets
Credit union
Hudson River Community Federal Credit Union
Corinth, New York · $100 million – $1 billion
Metric by metric
| Measure | M. C. T. Federal Credit Union | Hudson River Community Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 77 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 86 (stronger) | 61 |
| Earnings | 97 (stronger) | 66 |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 95th | 71st |
| Total assets | $73.3M | $364.2M |
| Deposits / shares | $61.8M | $304.9M |
| Capital ratio | 14.43% | 15.29% (stronger) |
| Problem loans | 0.41% (stronger) | 1.17% |
| Net charge-offs | 0.50% | 0.29% (stronger) |
| Return on assets | 1.94% (stronger) | 1.15% |
| Loans ÷ deposits | 12.0% (stronger) | 93.4% |
| Uninsured deposits | 2.5% (stronger) | 7.7% |
| 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 77). On the 7 directional measures above (where higher or lower is clearly better), M. C. T. Federal Credit Union leads on 5 and Hudson River Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.