McT

Port Neches, TX · 3 · Charter #97089 · www.mctcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$395.5M
40th percentile
Members
22,032
33th percentile
Total loans
$246.5M
36th percentile
Total shares
$345.8M
42th percentile

Profitability

Return on assets
0.46%
16th percentile
Net interest margin
3.30%
39th percentile
Efficiency ratio
75.07%
4th percentile
Non-interest income ratio
27.01%
87th percentile

Capital & Risk

Net worth ratio
10.36%
42th percentile
Delinquency rate
0.51%
69th percentile
Net charge-off rate
0.19%
79th percentile
Loan-to-share
71.26%
29th percentile

Growth

Member growth YoY
1.12%
57th percentile
Asset growth YoY
10.27%
87th percentile
Loan growth YoY
7.63%
69th percentile
Share growth YoY
7.45%
75th percentile

Operations

Members / branch
3,672
31th percentile
Assets / member
$17,949
63th percentile
Field of membership penetration
2.08%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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