Side-by-side · Q2 2026 data
M. C. T. Federal Credit Union vs Sunmark Credit Union
Credit union
M. C. T. Federal Credit Union
Amsterdam, New York · Under $100 million in assets
Metric by metric
| Measure | M. C. T. Federal Credit Union | Sunmark Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 56 |
| Capital cushion | 94 (stronger) | 45 |
| Loan quality | 86 (stronger) | 54 |
| Earnings | 97 (stronger) | 52 |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 99 (stronger) | 76 |
| Peer percentile | 95th | 15th |
| Total assets | $73.3M | $1.2B |
| Deposits / shares | $61.8M | $1.1B |
| Capital ratio | 14.43% (stronger) | 9.46% |
| Problem loans | 0.41% (stronger) | 1.37% |
| Net charge-offs | 0.50% (stronger) | 0.52% |
| Return on assets | 1.94% (stronger) | 0.81% |
| Loans ÷ deposits | 12.0% (stronger) | 85.1% |
| Uninsured deposits | 2.5% (stronger) | 4.6% |
| Offices | 1 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.3% |
M. C. T. Federal Credit Union has the higher TellerScore (94 vs 56). On the 7 directional measures above (where higher or lower is clearly better), M. C. T. Federal Credit Union leads on 7 and Sunmark Credit Union on 0. 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.