Side-by-side · Q2 2026 data
TrustCo Bank 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 | TrustCo Bank | M. C. T. Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 94 (stronger) |
| Capital cushion | 34 | 94 (stronger) |
| Loan quality | 87 (stronger) | 86 |
| Earnings | 61 | 97 (stronger) |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 27th | 95th |
| Total assets | $6.5B | $73.3M |
| Deposits / shares | $5.7B | $61.8M |
| Capital ratio | 8.38% | 14.43% (stronger) |
| Problem loans | 0.40% (stronger) | 0.41% |
| Net charge-offs | -0.00% (stronger) | 0.50% |
| Return on assets | 1.04% | 1.94% (stronger) |
| Loans ÷ deposits | 93.7% | 12.0% (stronger) |
| Uninsured deposits | 22.0% | 2.5% (stronger) |
| Offices | 133 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.5% | — |
M. C. T. Federal Credit Union has the higher TellerScore (94 vs 62). On the 7 directional measures above (where higher or lower is clearly better), TrustCo Bank leads on 2 and M. C. T. Federal Credit Union on 5. 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.