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.
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NCUA 5300 Call Report Masthead
#837 of 4,374 health · 2025Q4MCT · health 92/100 · $395.5M · 2025Q4
Call Report peers
MCT in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); MCT sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, Communities of Abilene (#75) ties at 92/100; one place down, UNIVERSITY (#77) ties at 92/100.
Quarter path for MCT
MCT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $395.5M (2025Q4) to $411.3M (2026Q1).
- Net-worth ratio shifted -0.31 pp (10.36% → 10.05%).
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
MCT gives up 8 points in total. Member Growth costs the most, 4.7 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is MCT financially healthy?
MCT has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #837 of 4,374 nationally on health and #76 of 386 in Texas. Its net worth ratio is 10.05% and its delinquency rate 0.51%.
How does MCT compare to other credit unions?
MCT scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.51% vs 0.89%). Its widest shortfall is net worth ratio (10.05% vs 12.11%).
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?
MCT 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. MCT's net worth ratio of 10.05% 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.