Side-by-side · Q2 2026 data
M. C. T. Federal Credit Union vs Schenectady County Employees Federal Credit Union
Credit union
M. C. T. Federal Credit Union
Amsterdam, New York · Under $100 million in assets
Credit union
Schenectady County Employees Federal Credit Union
Schenectady, New York · Under $100 million in assets
Metric by metric
| Measure | M. C. T. Federal Credit Union | Schenectady County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 54 |
| Capital cushion | 94 (stronger) | 23 |
| Loan quality | 86 (stronger) | 69 |
| Earnings | 97 (stronger) | 40 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 99 (stronger) | 84 |
| Peer percentile | 95th | 13th |
| Total assets | $73.3M | $5.6M |
| Deposits / shares | $61.8M | $5.2M |
| Capital ratio | 14.43% (stronger) | 7.29% |
| Problem loans | 0.41% (stronger) | 0.93% |
| Net charge-offs | 0.50% | 0.35% (stronger) |
| Return on assets | 1.94% (stronger) | 0.51% |
| Loans ÷ deposits | 12.0% (stronger) | 67.9% |
| Uninsured deposits | 2.5% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
M. C. T. Federal Credit Union has the higher TellerScore (94 vs 54). On the 7 directional measures above (where higher or lower is clearly better), M. C. T. Federal Credit Union leads on 5 and Schenectady County Employees Federal Credit Union on 2. 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.