TellerScore

M. C. T. Federal Credit Union is a federal credit union headquartered in Amsterdam, New York, in business for about 66 years. At the end of Q2 2026 it reported $73.3M in total assets and $61.8M in member shares and deposits, with 1 office.

M. C. T. Federal Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 12th. Funding & liquidity contributes the most (100/100, 12% loans-to-deposits, 3% uninsured); loan quality contributes the least (86/100, 0.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Net worth ratio: 14.43%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings97/100
Return on assets (annualized): 1.94%
Funding & liquidity100/100
Loans ÷ shares: 12.0% · 2.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.29%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (96 → 94), mostly because the loan quality component weakened by 7 points.

TellerScore
919496Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202493
Q4 202495
Q1 202594
Q2 202596
Q3 202596
Q4 202596
Q1 202695
Q2 202694
Net worth ratio
7.00%11.09%15.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.63%
Q3 202413.42%
Q4 202413.75%
Q1 202513.81%
Q2 202514.12%
Q3 202514.73%
Q4 202515.02%
Q1 202615.19%
Q2 202614.43%
Delinquent loans (60+ days)
0.08%0.32%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.13%
Q3 20240.08%
Q4 20240.09%
Q1 20250.20%
Q2 20250.21%
Q3 20250.39%
Q4 20250.48%
Q1 20260.57%
Q2 20260.41%
Return on assets
1.87%1.99%2.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.89%
Q3 20241.89%
Q4 20241.87%
Q1 20251.94%
Q2 20252.03%
Q3 20252.11%
Q4 20252.06%
Q1 20261.96%
Q2 20261.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$73.3M14.43%0.41%1.94%12.0%
Q1 202695$72.0M15.19%0.57%1.96%12.7%
Q4 202596$70.4M15.02%0.48%2.06%13.8%
Q3 202596$69.4M14.73%0.39%2.11%14.7%
Q2 202596$69.6M14.12%0.21%2.03%14.9%
Q1 202594$68.5M13.81%0.20%1.94%15.9%
Q4 202495$66.4M13.75%0.09%1.87%17.1%
Q3 202493$65.7M13.42%0.08%1.89%17.9%
Q2 202491$67.5M12.63%0.13%1.89%17.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.43%
51st
Problem loans0.41%
63rd
Net charge-offs0.50%
27th
Return on assets1.94%
93rd
Loans to deposits12.0%
98th
Uninsured deposits2.5%
40th
Loan-loss reserves0.00%
37th
Texas ratio0.3%
79th

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Empire One Federal Credit UnionCredit union Cheektowaga, NY62 out of 100, Moderate$76.0M10.1%0.32%vs
Greater Metro Federal Credit UnionCredit union Long Island CIT, NY60 out of 100, Moderate$76.9M11.8%1.83%vs
Kenmore N. Y. Teachers Federal Credit UnionCredit union Buffalo, NY64 out of 100, Moderate$69.5M9.4%0.87%vs
Greater Together Federal Credit UnionCredit union Niagara Falls, NY77 out of 100, Strong$69.5M13.7%1.64%vs

Deposit insurance

Is my money safe at M. C. T. Federal Credit Union?

Yes. M. C. T. Federal Credit Union is a federally insured credit union (NCUA charter #13766). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.5% of shares and deposits ($1.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.43%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

M. C. T. Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
M. C. T. Federal Credit Union
Type
Federal credit union
NCUA charter #
13766
RSSD ID
172381
Primary regulator
NCUA
Established
1960
Headquarters
4883 State Highway 30, Amsterdam, NY 12010
Employees
9

Quick answers

M. C. T. Federal Credit Union: common questions

Is M. C. T. Federal Credit Union NCUA insured?

Yes. M. C. T. Federal Credit Union is a federally insured credit union (NCUA charter #13766). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is M. C. T. Federal Credit Union's TellerScore?

94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does M. C. T. Federal Credit Union have?

1 office as of the latest NCUA data.

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