M. C. T.
Charter #13766 · AMSTERDAM, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.98% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 44.69% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 66th — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | M. C. T. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $71.97M | 51th pct | 61th pct |
| Members | 2,700 | 6th pct | 33th pct |
| Net worth ratio | 15.19% | 71th pct | 69th pct |
| Return on average assets | 1.98% | 95th pct | 92th pct |
| Net interest margin | 3.40% | 33th pct | 66th pct |
| Cost of funds | 0.38% | 17th pct | 26th pct |
| Loan-to-share | 12.65% | 0th pct | 3th pct |
| Delinquency 60+ days | 0.57% | 46th pct | 57th pct |
| Net charge-off ratio | 0.00% | 14th pct | 28th pct |
| Loan growth YoY | -11.63% | 2th pct | 7th pct |
| Share growth YoY | 3.02% | 52th pct | 52th pct |
| Efficiency ratio | 44.69% | 1th pct | 3th pct |
structural peer set hash: ece2c4eb824a1e52a60bfec1b77cad36… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.