Federal credit union · Port Neches, Texas · NCUA charter #97089
MCT
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $395.5M
- Total assets
- 22,032
- Members
- 10.1%
- Net-worth ratio
MCT scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $395.5M; members 22,032; net-worth ratio 10.05%; health rank #837 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#837 of 4,374 health · 2025Q4MCT · health 92/100 · $395.5M · 2025Q4
- CHARTER 92/100
- NCUSIF 10.1%
- CAMELS 0.51%
- HEALTH 0.27%
- NW $395.5M
- DELQ 22,032
- ROA #837/4,374
- ASSETS CASE
- MEM 97089
Call Report peers
MCT in the assets neighbourhood
MCT's $395.5M assets sit next to CASE ($395.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MCT vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
MCT - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #97089 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for MCT
- Largest favorable gap: Delinquency Rate at 0.51% vs peer 0.89% (-0.38 pp).
- Largest lag: Net Worth Ratio at 10.05% vs peer 12.11% (-2.06 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MCT in Texas
- Health composite ranks #76 of 386 among scored Texas credit unions.
- Assets rank #74 of 386 inside Texas ($395.5M reported).
- Member book place in Texas: #79 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for MCT
MCT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $395.5M (2025Q4) to $411.3M (2026Q1).
- Net-worth ratio shifted -0.31 pp (10.36% → 10.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.9 pts
- Return on Assets 11.5 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 15.3 pts
MCT health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.05% | -2.06 pp |
| Delinquency Rate | 0.51% | -0.38 pp |
| Return on Assets | 0.27% | -0.36 pp |
| Member Growth | 1.12% | - |
| Loan-to-Share Ratio | 71.26% | -0.94 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
MCT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $411.3M | - |
| 2025Q4 | $395.5M | 22,032 |
| 2024Q4 | $358.6M | 21,788 |
| 2023Q4 | $355.7M | 21,156 |
Credit Union Details
- Charter Number
- 97089
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Port Neches
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, MCT runs 6 offices in 5 different cities.
| Office | City |
|---|---|
| Port Neches Branch (Main Office) | Port Neches, TX |
| Beaumont Branch | Beaumont, TX |
| Lumberton Branch | Lumberton, TX |
| Nederland Branch | Nederland, TX |
| Bridge City Branch | Orange, TX |
| Orange Branch | Orange, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
MCT nationwide neighbourhoods
MCT's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($395.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- MCT ranks #837 of 4,374 nationally on financial health and #76 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Houston Texas Fire Fighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Houston Texas Fire Fighters
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MCT financially healthy?
A 10.05% net worth ratio and a 0.51% delinquency rate feed into MCT's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #837 of 4,374; by total assets it ranks #873 of 4,374 nationally (same basis as /rankings/largest); and #74 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MCT compare to other credit unions?
PlainCU's health composite puts MCT at 92/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join MCT?
Membership eligibility for MCT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MCT directly for current membership requirements and application steps.
Is my money safe at MCT?
Federal credit unions like MCT are 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. MCT's net worth ratio of 10.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MCT offer compared to banks?
Credit unions like MCT are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MCT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.