Side-by-side · Q2 2026 data
Manufacturers and Traders Trust Company vs Meridia Community Federal Credit Union
Credit union
Meridia Community Federal Credit Union
Hamburg, New York · $100 million – $1 billion
Metric by metric
| Measure | Manufacturers and Traders Trust Company | Meridia Community Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 94 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 55 | 91 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 41 | 74 (stronger) |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 11th | 98th |
| Total assets | $218.8B | $144.1M |
| Deposits / shares | $172.3B | $117.7M |
| Capital ratio | 9.51% | 16.36% (stronger) |
| Problem loans | 1.35% | 0.27% (stronger) |
| Net charge-offs | 0.26% (stronger) | 0.30% |
| Return on assets | 1.40% | 2.26% (stronger) |
| Loans ÷ deposits | 81.9% (stronger) | 86.4% |
| Uninsured deposits | 48.9% | 0.9% (stronger) |
| Offices | 911 | 3 |
| CFPB complaints (3 yrs) | 3,362 | — |
| Complaints per $1B deposits | 19.5 | — |
| Mortgage denial rate (HMDA) | 32.9% | 14.1% |
Meridia Community Federal Credit Union has the higher TellerScore (94 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Manufacturers and Traders Trust Company leads on 2 and Meridia Community Federal Credit Union on 5. 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.