Federal credit union · Port Neches, Texas · NCUA charter #97089
Mct
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $395.5M
- Total assets
- 22,032
- Members
- 10.3%
- Net-worth ratio
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.
Mct - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)77
- Member growth69
- Liquidity (loan-to-share)100
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.34%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.34% | 30% |
| Delinquency Rate | 0.51% | 25% |
| Return on Assets | 0.27% | 15% |
| Member Growth | 1.12% | 15% |
| Loan-to-Share Ratio | 71.26% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Mct
Mct is a federal credit union headquartered in Port Neches, Texas, serving 22,032 members with $395.5M in total assets and $246.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 92/100 (Excellent), anchored by a net worth ratio of 10.34% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #97089 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.51% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 71.26% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.27% on net income of $1.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.12%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Mct financially healthy?
A 10.34% 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. 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 10.34% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.