M. C. T.
Amsterdam, NY · Charter 13766 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
$73.3MAssets
$7.4MLoans
$61.8MShares
$10.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 98% of credit unions under $1B in assets in NY (rank 2 of 59).
- Widest gap: net interest margin trails 71% of credit unions under $1B in assets in NY (rank 42 of 59).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.93%
Rank 4 of 59
Net Interest Margin
3.34%
Rank 42 of 59
Efficiency Ratio
44.02%
Rank 2 of 59
Equity / Assets
14.42%
Rank 23 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.93% | 0.28% | 1.01% | 1.42% | Beats 93% | 4 / 59 | | |
| Return on Equity | 13.41% | 2.31% | 7.92% | 10.52% | Beats 92% | 5 / 59 | | |
| Net Interest Margin | 3.34% | 3.24% | 3.66% | 4.04% | Beats 29% | 42 / 59 | | |
| Efficiency Ratio | 44.02% | 63.53% | 74.15% | 82.44% | Beats 98% | 2 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.32% | 0.68% | 1.20% | Beats 71% | 18 / 59 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.42% | 10.94% | 13.05% | 16.06% | Beats 61% | 23 / 59 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.42% | 10.94% | 13.05% | 16.06% | Beats 61% | 23 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 12.04% | 40.49% | 57.59% | 78.86% | 0th pctl | 59 / 59 | | |
| Loans / Assets | 10.16% | 33.06% | 50.92% | 63.03% | 0th pctl | 59 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |