MCT
Charter #97089 · Port Neches, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.30% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.18% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.08% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.82% sits at the 90th percentile of structural peers — worth a closer look.
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 | MCT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $411.27M | 91th pct | 82th pct |
| Members | 21,604 | 82th pct | 67th pct |
| Net worth ratio | 10.05% | 28th pct | 39th pct |
| Return on average assets | 0.43% | 32th pct | 31th pct |
| Net interest margin | 3.34% | 31th pct | 26th pct |
| Cost of funds | 0.30% | 13th pct | 11th pct |
| Loan-to-share | 67.65% | 41th pct | 36th pct |
| Delinquency 60+ days | 0.18% | 11th pct | 10th pct |
| Net charge-off ratio | 0.08% | 15th pct | 7th pct |
| Loan growth YoY | 0.52% | 53th pct | 43th pct |
| Share growth YoY | 7.31% | 89th pct | 89th pct |
| Efficiency ratio | 90.82% | 87th pct | 90th pct |
structural peer set hash: ce1e3c38b7782ac4a8bec5c0bdee1b9a… (reproducible)
Closest structural peers
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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.