Side-by-side · Q2 2026 data
M. C. T. Federal Credit Union vs Stewart'S Federal Credit Union
Credit union
M. C. T. Federal Credit Union
Amsterdam, New York · Under $100 million in assets
Credit union
Stewart'S Federal Credit Union
Saratoga Spring, New York · Under $100 million in assets
Metric by metric
| Measure | M. C. T. Federal Credit Union | Stewart'S Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 61 |
| Capital cushion | 94 (stronger) | 39 |
| Loan quality | 86 (stronger) | 73 |
| Earnings | 97 (stronger) | 55 |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 95th | 23rd |
| Total assets | $73.3M | $47.3M |
| Deposits / shares | $61.8M | $42.8M |
| Capital ratio | 14.43% (stronger) | 8.87% |
| Problem loans | 0.41% (stronger) | 0.81% |
| Net charge-offs | 0.50% (stronger) | 0.84% |
| Return on assets | 1.94% (stronger) | 0.87% |
| Loans ÷ deposits | 12.0% (stronger) | 44.1% |
| Uninsured deposits | 2.5% (stronger) | 41.5% |
| 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 61). On the 7 directional measures above (where higher or lower is clearly better), M. C. T. Federal Credit Union leads on 7 and Stewart'S Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.