TellerScore

Headquartered in Port Neches, Texas, McT Credit Union is a non-federally insured state credit union with $415.2M in total assets and $363.0M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1953.

McT Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 48% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 223rd. Problem-loan coverage contributes the most (96/100, 1.8%); earnings contributes the least (39/100, 0.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.10%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.29%
Earnings39/100
Return on assets (annualized): 0.49%
Funding & liquidity90/100
Loans ÷ shares: 70.2% · 0.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.84%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (67 → 69), mostly because the earnings component improved by 8 points.

TellerScore
666870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202467
Q4 202468
Q1 202568
Q2 202567
Q3 202568
Q4 202566
Q1 202670
Q2 202669
Net worth ratio
7.00%9.04%11.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.89%
Q3 202410.90%
Q4 202411.08%
Q1 202510.58%
Q2 202510.40%
Q3 202510.61%
Q4 202510.36%
Q1 202610.05%
Q2 202610.10%
Delinquent loans (60+ days)
0.18%0.40%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.61%
Q4 20240.53%
Q1 20250.38%
Q2 20250.46%
Q3 20250.41%
Q4 20250.51%
Q1 20260.18%
Q2 20260.29%
Return on assets
0.22%0.35%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.35%
Q3 20240.33%
Q4 20240.29%
Q1 20250.22%
Q2 20250.27%
Q3 20250.35%
Q4 20250.33%
Q1 20260.42%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$415.2M10.10%0.29%0.49%70.2%
Q1 202670$411.3M10.05%0.18%0.42%67.7%
Q4 202566$395.5M10.36%0.51%0.33%71.3%
Q3 202568$383.4M10.61%0.41%0.35%72.2%
Q2 202567$386.3M10.40%0.46%0.27%70.1%
Q1 202568$376.7M10.58%0.38%0.22%67.4%
Q4 202468$358.6M11.08%0.53%0.29%71.1%
Q3 202467$363.1M10.90%0.61%0.33%71.0%
Q2 202469$360.7M10.89%0.46%0.35%71.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.10%
30th
Problem loans0.29%
83rd
Net charge-offs0.12%
83rd
Return on assets0.49%
29th
Loans to deposits70.2%
61st
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio1.8%
78th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
1st Community Federal Credit UnionCredit union San Angelo, TX58 out of 100, Moderate$421.8M13.6%3.73%vs
America'S Credit UnionCredit union Garland, TX76 out of 100, Strong$427.6M15.0%0.59%vs
Houston Texas Fire Fighters Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$401.3M14.0%0.38%vs
Pecu Credit UnionCredit union Austin, TX86 out of 100, Very strong$431.4M14.8%0.47%vs
Texar Federal Credit UnionCredit union Texarkana, TX81 out of 100, Strong$440.5M16.4%0.72%vs
Cy-Fair Federal Credit UnionCredit union Houston, TX65 out of 100, Moderate$383.5M9.5%1.26%vs

Deposit insurance

Is my money safe at McT Credit Union?

McT Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.10%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

McT Credit Union lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, McT Credit Union reported 167 home-loan applications under HMDA (LEI 549300GV8F4RLYWAB272): 131 originated ($22,555,000 total), 22 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
McT Credit Union
Type
Non-federally insured state credit union
NCUA charter #
97089
RSSD ID
521699
Primary regulator
State + NCUA
Established
1953
Headquarters
PO Box 279, Port Neches, TX 77651
Employees
81

Quick answers

McT Credit Union: common questions

Is McT Credit Union NCUA insured?

McT Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is McT Credit Union's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does McT Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Port Neches

InstitutionScoreAssetsCapitalProblem loansCompare
Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX94 out of 100, Very strong$38.0M14.9%0.35%vs
Neches Federal Credit UnionCredit union Port Neches, TX93 out of 100, Very strong$1.2B14.7%0.20%vs
Dugood Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$609.4M13.4%0.09%vs
Common Cents Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$34.2M12.1%0.30%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Vidor Teachers Federal Credit UnionCredit union Vidor, TX83 out of 100, Strong$3.3M15.8%0.00%vs