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
Call Report peers
MTC in the assets neighbourhood
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MTC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MTC sits in 80-84 with 767 others.
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
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).
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).
- One place up in South Carolina, CPM (#32) scores 82/100, 2 points higher; one place down, 1st Cooperative (#34) ties at 80/100.
MTC Call Report trajectory
MTC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $295.0M (2025Q4) to $299.9M (2026Q1).
- Net-worth ratio shifted -0.20 pp (13.02% → 12.82%).
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
MTC gives up 20 points in total. Member Growth costs the most, 10.2 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is MTC financially healthy?
MTC has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,730 of 4,374 nationally on health and #33 of 46 in South Carolina. Its net worth ratio is 12.82% and its delinquency rate 0.93%.
How does MTC compare to other credit unions?
MTC scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (74.60% vs 72.20%). Its widest shortfall is return on assets (0.14% vs 0.62%).
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?
MTC 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. MTC's net worth ratio of 12.82% 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.