M. C. T.

AMSTERDAM, NY · 1 · Charter #13766 · www.mct-fcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$70.4M
21th percentile
Members
2,722
3th percentile
Total loans
$8.3M
0th percentile
Total shares
$59.8M
22th percentile

Profitability

Return on assets
2.10%
94th percentile
Net interest margin
3.42%
36th percentile
Efficiency ratio
38.61%
95th percentile
Non-interest income ratio
5.17%
4th percentile

Capital & Risk

Net worth ratio
15.02%
76th percentile
Delinquency rate
0.48%
67th percentile
Net charge-off rate
0.40%
43th percentile
Loan-to-share
13.84%
0th percentile

Growth

Member growth YoY
-14.72%
2th percentile
Asset growth YoY
6.07%
68th percentile
Loan growth YoY
-15.42%
1th percentile
Share growth YoY
4.59%
61th percentile

Operations

Members / branch
2,722
40th percentile
Assets / member
$25,863
94th percentile
Field of membership penetration
24.75%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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