Side-by-side · Q2 2026 data
Mtc Federal Credit Union vs Spc Credit Union
Metric by metric
| Measure | Mtc Federal Credit Union | Spc Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 66 |
| Capital cushion | 77 (stronger) | 64 |
| Loan quality | 70 (stronger) | 62 |
| Earnings | 25 | 46 (stronger) |
| Funding & liquidity | 83 | 93 (stronger) |
| Problem-loan coverage | 90 (stronger) | 86 |
| Peer percentile | 41st | 37th |
| Total assets | $302.6M | $265.8M |
| Deposits / shares | $259.3M | $234.3M |
| Capital ratio | 12.73% (stronger) | 11.42% |
| Problem loans | 0.90% (stronger) | 1.13% |
| Net charge-offs | 0.51% (stronger) | 0.71% |
| Return on assets | 0.13% | 0.65% (stronger) |
| Loans ÷ deposits | 76.9% | 67.7% (stronger) |
| Uninsured deposits | 5.7% | 3.5% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.5% | 46.8% |
Mtc Federal Credit Union has the higher TellerScore (67 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Mtc Federal Credit Union leads on 4 and Spc Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.