Federal credit union · Greenville, South Carolina · NCUA charter #22520
MTC
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $295.0M
- Total assets
- 16,053
- Members
- 12.8%
- Net-worth ratio
MTC scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $295.0M; members 16,053; net-worth ratio 12.82%; health rank #2,730 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,730 of 4,374 health · 2025Q4MTC · health 80/100 · $295.0M · 2025Q4
- ROA 80/100
- ASSETS 12.8%
- MEM 0.93%
- RANK 0.14%
- PHOTO $295.0M
- BOOK 16,053
- CHARTER #2,730/4,374
- NCUSIF Valley Communities
- CAMELS 22520
Call Report peers
MTC in the assets neighbourhood
MTC's $295.0M assets sit next to Valley Communities ($296.0M) 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.
MTC 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
80 36th percentile higher than 36% 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
MTC - Share Insurance Coverage
Charter #22520's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where MTC diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +2.40 pp (74.60% vs 72.20%).
- Return on Assets trails the peer set - 0.14% here, 0.62% peer average (-0.48 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MTC in South Carolina
- Health composite ranks #33 of 46 among scored South Carolina credit unions.
- South Carolina assets place: #15 of 46.
- Membership ranks #19 of 46 among South Carolina CUs with a reported count (16,053 members).
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
MTC Call Report trajectory
MTC: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $295.0M (2025Q4) to $299.9M (2026Q1).
- Net-worth ratio shifted -0.20 pp (13.02% → 12.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 9.7 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.82% | +0.71 pp |
| Delinquency Rate | 0.93% | +0.03 pp |
| Return on Assets | 0.14% | -0.48 pp |
| Member Growth | -2.33% | - |
| Loan-to-Share Ratio | 74.60% | +2.40 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).
Call Report history - MTC
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $299.9M | - |
| 2025Q4 | $295.0M | 16,053 |
| 2024Q4 | $271.6M | 16,436 |
| 2023Q4 | $276.9M | 17,088 |
Credit Union Details
- Charter Number
- 22520
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- $100M–$500M
- State
- South Carolina
- City
- Greenville
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, MTC runs 9 offices in 6 different cities across 3 states.
| Office | City |
|---|---|
| Brookfield (Main Office) | Greenville, SC |
| ARD2 | Ardmore, OK |
| Pelham Rd | Greenville, SC |
| US0 | Greenville, SC |
| Woodruff Road | Greenville, SC |
| US5 | Lexington, SC |
| US4 | Midland City, AL |
| US2 | Sandy Springs, SC |
| US3 | Spartanburg, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
More federally-insured credit unions based in South Carolina, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for MTC - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($295.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- MTC ranks #2,730 of 4,374 nationally on financial health and #33 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SPC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SPC
- Rates and health both vary by institution, not just by state -- see how South Carolina credit unions compare overall before assuming this one is typical. South Carolina 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 MTC financially healthy?
MTC has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,730 of 4,374; by total assets it ranks #1,046 of 4,374 nationally (same basis as /rankings/largest); and #15 of 46 within South Carolina. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.82% and delinquency rate of 0.93%.
How does MTC compare to other credit unions?
80/100 is MTC's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 MTC?
MTC serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact MTC directly for the current list of qualifying groups.
Is my money safe at MTC?
Federal credit unions like MTC 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. MTC's net worth ratio of 12.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MTC offer compared to banks?
Credit unions like MTC 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 MTC 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.