Side-by-side · Q2 2026 data
Tct Federal Credit Union vs M. C. T. Federal Credit Union
Credit union
M. C. T. Federal Credit Union
Amsterdam, New York · Under $100 million in assets
Metric by metric
| Measure | Tct Federal Credit Union | M. C. T. Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 94 (stronger) |
| Capital cushion | 44 | 94 (stronger) |
| Loan quality | 78 | 86 (stronger) |
| Earnings | 34 | 97 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 24th | 95th |
| Total assets | $295.6M | $73.3M |
| Deposits / shares | $267.3M | $61.8M |
| Capital ratio | 9.45% | 14.43% (stronger) |
| Problem loans | 0.65% | 0.41% (stronger) |
| Net charge-offs | 0.22% (stronger) | 0.50% |
| Return on assets | 0.34% | 1.94% (stronger) |
| Loans ÷ deposits | 80.5% | 12.0% (stronger) |
| Uninsured deposits | 7.6% | 2.5% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | — |
M. C. T. Federal Credit Union has the higher TellerScore (94 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Tct Federal Credit Union leads on 1 and M. C. T. Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.