MCT
Port Neches, TX · Charter 97089 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 6 branches
Q2 2026
$415.2MAssets
$254.6MLoans
$363.0MShares
$41.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 72% of credit unions under $1B in assets in TX (rank 67 of 235).
- Widest gap: equity / assets trails 83% of credit unions under $1B in assets in TX (rank 196 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.49%
Rank 129 of 235
Net Interest Margin
3.34%
Rank 176 of 235
Efficiency Ratio
87.98%
Rank 159 of 235
Equity / Assets
10.10%
Rank 196 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.17% | 0.57% | 1.10% | Beats 45% | 129 / 235 | | |
| Return on Equity | 4.81% | 1.03% | 4.30% | 7.58% | Beats 54% | 108 / 235 | | |
| Net Interest Margin | 3.34% | 3.32% | 3.89% | 4.35% | Beats 25% | 176 / 235 | | |
| Efficiency Ratio | 87.98% | 70.60% | 82.00% | 91.57% | Beats 33% | 159 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.20% | 0.59% | 1.14% | Beats 72% | 67 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.10% | 11.30% | 14.41% | 19.49% | Beats 17% | 196 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.10% | 11.30% | 14.41% | 19.49% | Beats 17% | 196 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.15% | 54.18% | 67.38% | 81.66% | 54th pctl | 108 / 235 | | |
| Loans / Assets | 61.32% | 43.80% | 56.63% | 68.64% | 60th pctl | 93 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |