Federal credit union · AMSTERDAM, New York · NCUA charter #13766
M. C. T.
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $70.4M
- Total assets
- 2,722
- Members
- 15.2%
- Net-worth ratio
M. C. T. scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $70.4M; members 2,722; net-worth ratio 15.19%; health rank #3,065 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,065 of 4,374 health · 2025Q4M. C. T. · health 77/100 · $70.4M · 2025Q4
Call Report peers
M. C. T. in the assets neighbourhood
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M. C. T. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); M. C. T. sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
M. C. T. vs $50M–$100M peers
- Largest favorable gap: Net Worth Ratio at 15.19% vs peer 13.62% (+1.57 pp).
- Loan-to-Share Ratio trails the peer set - 13.84% here, 62.60% peer average (-48.76 pp).
M. C. T.: in-state Call Report ranks
- In New York, health place is #174 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #108 of 272.
- New York membership ordinal: #149 of 272.
- One place up in New York, Utica District Telephone Employees (#173) ties at 77/100; one place down, Watertown Postal (#175) ties at 77/100.
Quarter path for M. C. T.
M. C. T.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $70.4M (2025Q4) to $72.0M (2026Q1).
- Net-worth ratio shifted +0.17 pp (15.02% → 15.19%).
At 15.19%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
M. C. T. gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.19% | +1.57 pp |
| Delinquency Rate | 0.48% | -0.48 pp |
| Return on Assets | 1.76% | +1.10 pp |
| Member Growth | -14.72% | - |
| Loan-to-Share Ratio | 13.84% | -48.76 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - M. C. T.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $72.0M | - |
| 2025Q4 | $70.4M | 2,722 |
| 2024Q4 | $66.4M | 3,192 |
| 2023Q4 | $67.0M | 3,252 |
Credit Union Details
- Charter Number
- 13766
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- AMSTERDAM
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for M. C. T..
| Office | City |
|---|---|
| 4883 State Highway 30 (Main Office) | AMSTERDAM, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- M. C. T. ranks #3,065 of 4,374 nationally on financial health and #174 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Niagara is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Niagara
Frequently Asked Questions
Is M. C. T. financially healthy?
M. C. T. has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,065 of 4,374 nationally on health and #174 of 272 in New York. Its net worth ratio is 15.19% and its delinquency rate 0.48%.
How does M. C. T. compare to other credit unions?
M. C. T. scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (15.19% vs 13.62%). Its widest shortfall is loan-to-share ratio (13.84% vs 62.60%).
How can I join M. C. T.?
M. C. T. operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact M. C. T. directly for the exact boundaries and application steps.
Is my money safe at M. C. T.?
M. C. T. is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. M. C. T.'s net worth ratio of 15.19% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.