Side-by-side · Q2 2026 data
Upstate Telco Federal Credit Union vs M. C. T. Federal Credit Union
Credit union
Upstate Telco Federal Credit Union
Gloversville, New York · Under $100 million in assets
Credit union
M. C. T. Federal Credit Union
Amsterdam, New York · Under $100 million in assets
Metric by metric
| Measure | Upstate Telco Federal Credit Union | M. C. T. Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 94 (stronger) |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 91 (stronger) | 86 |
| Earnings | 30 | 97 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 75th | 95th |
| Total assets | $4.3M | $73.3M |
| Deposits / shares | $3.6M | $61.8M |
| Capital ratio | 16.06% (stronger) | 14.43% |
| Problem loans | 0.28% (stronger) | 0.41% |
| Net charge-offs | -0.10% (stronger) | 0.50% |
| Return on assets | 0.26% | 1.94% (stronger) |
| Loans ÷ deposits | 29.8% | 12.0% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
M. C. T. Federal Credit Union has the higher TellerScore (94 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Upstate Telco Federal Credit Union leads on 4 and M. C. T. Federal Credit Union on 3. 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.