Side-by-side · Q2 2026 data
Scf Westchester N. Y. Employees Federal Credit Union vs Municipal Credit Union
Credit union
Scf Westchester N. Y. Employees Federal Credit Union
White Plains, New York · Under $100 million in assets
Metric by metric
| Measure | Scf Westchester N. Y. Employees Federal Credit Union | Municipal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 94 (stronger) | 45 |
| Earnings | 70 | 76 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 94th | 50th |
| Total assets | $1.5M | $5.2B |
| Deposits / shares | $1.2M | $4.5B |
| Capital ratio | 23.76% (stronger) | 11.93% |
| Problem loans | 0.18% (stronger) | 1.66% |
| Net charge-offs | 0.00% (stronger) | 0.90% |
| Return on assets | 1.26% | 1.40% (stronger) |
| Loans ÷ deposits | 36.6% (stronger) | 75.1% |
| Uninsured deposits | 0.0% (stronger) | 5.4% |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 40.3% |
Scf Westchester N. Y. Employees Federal Credit Union has the higher TellerScore (93 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Scf Westchester N. Y. Employees Federal Credit Union leads on 6 and Municipal Credit Union on 1. 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.