Side-by-side · Q2 2026 data
Medisys Employees Federal Credit Union vs Academic Federal Credit Union
Credit union
Medisys Employees Federal Credit Union
Jamaica, New York · Under $100 million in assets
Credit union
Academic Federal Credit Union
Briarcliff Mano, New York · Under $100 million in assets
Metric by metric
| Measure | Medisys Employees Federal Credit Union | Academic Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 71 (stronger) |
| Capital cushion | 45 | 64 (stronger) |
| Loan quality | 77 (stronger) | 55 |
| Earnings | 58 | 69 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 38th | 42nd |
| Total assets | $33.3M | $33.7M |
| Deposits / shares | $30.0M | $29.8M |
| Capital ratio | 9.51% | 11.44% (stronger) |
| Problem loans | 0.70% (stronger) | 1.34% |
| Net charge-offs | 0.98% (stronger) | 0.99% |
| Return on assets | 0.94% | 1.22% (stronger) |
| Loans ÷ deposits | 30.1% (stronger) | 35.8% |
| Uninsured deposits | 3.1% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Academic Federal Credit Union has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Medisys Employees Federal Credit Union leads on 3 and Academic Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.