TellerScore

Mtc Federal Credit Union is a federal credit union headquartered in Greenville, South Carolina, in business for about 50 years. At the end of Q2 2026 it reported $302.6M in total assets and $259.3M in member shares and deposits, with 7 offices across 3 states.

Mtc Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in South Carolina, it ranks 31st. Problem-loan coverage contributes the most (90/100, 4.9%); earnings contributes the least (25/100, 0.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.73%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.90%
Earnings25/100
Return on assets (annualized): 0.13%
Funding & liquidity83/100
Loans ÷ shares: 76.9% · 5.7% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.95%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 67).

TellerScore
677072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202468
Q4 202467
Q1 202570
Q2 202568
Q3 202569
Q4 202569
Q1 202667
Q2 202667
Net worth ratio
7.00%10.47%13.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.30%
Q3 202413.50%
Q4 202413.94%
Q1 202513.89%
Q2 202513.54%
Q3 202513.80%
Q4 202513.02%
Q1 202612.82%
Q2 202612.73%
Delinquent loans (60+ days)
0.73%1.05%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.73%
Q3 20241.20%
Q4 20241.37%
Q1 20251.25%
Q2 20251.16%
Q3 20251.14%
Q4 20250.93%
Q1 20260.92%
Q2 20260.90%
Return on assets
0.06%0.21%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.14%
Q3 20240.26%
Q4 20240.16%
Q1 20250.35%
Q2 20250.20%
Q3 20250.26%
Q4 20250.21%
Q1 20260.06%
Q2 20260.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$302.6M12.73%0.90%0.13%76.9%
Q1 202667$299.9M12.82%0.92%0.06%75.3%
Q4 202569$295.0M13.02%0.93%0.21%74.6%
Q3 202569$277.7M13.80%1.14%0.26%76.7%
Q2 202568$281.2M13.54%1.16%0.20%72.7%
Q1 202570$274.4M13.89%1.25%0.35%73.4%
Q4 202467$271.6M13.94%1.37%0.16%75.5%
Q3 202468$281.2M13.50%1.20%0.26%74.0%
Q2 202472$283.0M13.30%0.73%0.14%72.6%

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 ratio12.73%
66th
Problem loans0.90%
35th
Net charge-offs0.51%
34th
Return on assets0.13%
8th
Loans to deposits76.9%
47th
Uninsured deposits5.7%
52nd
Loan-loss reserves0.00%
50th
Texas ratio4.9%
40th

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Spc Credit UnionCredit union Hartsville, SC66 out of 100, Moderate$265.8M11.4%1.13%vs
Carolina Foothills Federal Credit UnionCredit union Spartanburg, SC70 out of 100, Strong$224.3M12.0%1.30%vs
Georgetown Kraft Credit UnionCredit union Georgetown, SC87 out of 100, Very strong$191.9M18.7%0.95%vs
Carolina Trust Federal Credit UnionCredit union Myrtle Beach, SC64 out of 100, Moderate$422.0M10.0%0.83%vs
Mid Carolina Credit UnionCredit union Lugoff, SC77 out of 100, Strong$181.8M12.7%0.66%vs
Greenville Heritage Federal Credit UnionCredit union Greenville, SC80 out of 100, Strong$181.2M12.5%0.34%vs

Deposit insurance

Is my money safe at Mtc Federal Credit Union?

Yes. Mtc Federal Credit Union is a federally insured credit union (NCUA charter #22520). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.7% of shares and deposits ($14.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.73%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Mtc Federal Credit Union lists 7 offices in 6 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mtc Federal Credit Union reported 118 home-loan applications under HMDA (LEI 549300WDLOVGUYVTS727): 92 originated ($14,680,000 total), 11 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.5%, 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
Mtc Federal Credit Union
Type
Federal credit union
NCUA charter #
22520
RSSD ID
380289
Primary regulator
NCUA
Established
1976
Headquarters
PO Box 1944, Greenville, SC 29602
Employees
85

Quick answers

Mtc Federal Credit Union: common questions

Is Mtc Federal Credit Union NCUA insured?

Yes. Mtc Federal Credit Union is a federally insured credit union (NCUA charter #22520). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Mtc Federal Credit Union's TellerScore?

67 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 Mtc Federal Credit Union have?

7 offices as of the latest NCUA data, in 3 states.