Side-by-side · Q2 2026 data
Tct Federal Credit Union vs Secny Federal Credit Union
Metric by metric
| Measure | Tct Federal Credit Union | Secny Federal Credit Union |
|---|---|---|
| TellerScore | 61 (stronger) | 56 |
| Capital cushion | 44 (stronger) | 26 |
| Loan quality | 78 (stronger) | 69 |
| Earnings | 34 | 37 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 90 (stronger) | 87 |
| Peer percentile | 24th | 13th |
| Total assets | $295.6M | $322.7M |
| Deposits / shares | $267.3M | $297.2M |
| Capital ratio | 9.45% (stronger) | 7.56% |
| Problem loans | 0.65% (stronger) | 0.93% |
| Net charge-offs | 0.22% (stronger) | 0.34% |
| Return on assets | 0.34% | 0.41% (stronger) |
| Loans ÷ deposits | 80.5% | 54.0% (stronger) |
| Uninsured deposits | 7.6% (stronger) | 9.4% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | 10.6% |
Tct Federal Credit Union has the higher TellerScore (61 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Tct Federal Credit Union leads on 5 and Secny Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.