Side-by-side · Q2 2026 data
Manufacturers and Traders Trust Company vs Crossroads Community Federal Credit Union
Credit union
Crossroads Community Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Metric by metric
| Measure | Manufacturers and Traders Trust Company | Crossroads Community Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 95 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 55 | 94 (stronger) |
| Earnings | 76 | 81 (stronger) |
| Funding & liquidity | 41 | 100 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 11th | 96th |
| Total assets | $218.8B | $96.9M |
| Deposits / shares | $172.3B | $82.0M |
| Capital ratio | 9.51% | 15.27% (stronger) |
| Problem loans | 1.35% | 0.18% (stronger) |
| Net charge-offs | 0.26% (stronger) | 0.42% |
| Return on assets | 1.40% | 1.53% (stronger) |
| Loans ÷ deposits | 81.9% | 26.6% (stronger) |
| Uninsured deposits | 48.9% | 3.7% (stronger) |
| Offices | 911 | 1 |
| CFPB complaints (3 yrs) | 3,362 | — |
| Complaints per $1B deposits | 19.5 | — |
| Mortgage denial rate (HMDA) | 32.9% | 29.6% |
Crossroads Community Federal Credit Union has the higher TellerScore (95 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Manufacturers and Traders Trust Company leads on 1 and Crossroads Community Federal Credit Union on 6. 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.