MTC
Charter #22520 · Greenville, SC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.06% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 1.91% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 90.70% sits at the 90th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 44th — 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 | MTC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $299.86M | 73th pct | 54th pct |
| Members | 15,990 | 63th pct | 33th pct |
| Net worth ratio | 12.82% | 67th pct | 70th pct |
| Return on average assets | 0.06% | 10th pct | 7th pct |
| Net interest margin | 4.09% | 76th pct | 44th pct |
| Cost of funds | 1.91% | 86th pct | 97th pct |
| Loan-to-share | 75.26% | 56th pct | 52th pct |
| Delinquency 60+ days | 0.92% | 72th pct | 70th pct |
| Net charge-off ratio | 0.48% | 62th pct | 34th pct |
| Loan growth YoY | 7.37% | 95th pct | 93th pct |
| Share growth YoY | 9.36% | 96th pct | 93th pct |
| Efficiency ratio | 90.70% | 86th pct | 90th pct |
structural peer set hash: 49dc5c8894329d958154510474094c71… (reproducible)
Closest structural peers
This is the free public view
Claim MTC
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.