MTC

Charter #22520 | SC

100M-500M (1077 CUs) Micro
10 100M-500M in SC

MTC has 4 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 7.0% in tier
  • + Relationship Depth Leader: Top 10.8% in tier
  • + Net Interest Margin 0.77% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 7.9% in tier
  • - Membership Headwinds: Bottom 11.0% in tier
  • - Stagnation Risk: Bottom 17.3% in tier
  • - Liquidity Overhang: Bottom 20.7% in tier
  • - ROA 0.53% below tier average
  • - Efficiency ratio 9.33% above tier (higher cost structure)
  • - Delinquency rate 0.28% above tier average
  • - Member decline: -3.8% YoY
  • - Members Per Employee (MPE): Bottom 1.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 16,102
-3.8% YoY-0.1% QoQ
 +473 15,628
-3.4% YoY
 37,124
+2.2% YoY
 33,089
+6.1% YoY
 61st in tier
Assets $277.7M
-1.2% YoY-1.2% QoQ
 +$46.4M $231.3M
-0.0% YoY
 $514.3M
+4.6% YoY
 $547.7M
+7.8% YoY
 70th in tier
Loans $179.8M
+6.3% YoY+5.6% QoQ
 +$32.0M $147.8M
-1.4% YoY
 $362.8M
+7.0% YoY
 $388.7M
+8.6% YoY
 70th in tier
Deposits $234.5M
+2.6% YoY+0.2% QoQ
 +$34.2M $200.3M
-0.0% YoY
 $433.3M
+6.0% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA 0.3%
+1.4% YoY+29.1% QoQ
 -0.5% 0.8%
+15.5% YoY
 1.2%
+18.8% YoY
 0.7%
+273.4% YoY
 Bottom 16.2% in tier
NIM 4.4%
+12.6% YoY+1.4% QoQ
 +0.8% 3.6%
+6.9% YoY
 4.3%
+2.6% YoY
 3.7%
+5.0% YoY
 Top 12.4% in tier
Efficiency Ratio 86.6%
+5.5% YoY-0.4% QoQ
 +9.3% 77.3%
-3.0% YoY
 75.1%
-1.9% YoY
 79.1%
-3.3% YoY
 Top 18.5% in tier
Delinquency Rate 1.1%
-4.9% YoY-1.8% QoQ
 +0.3 0.9%
+7.6% YoY
 0.9%
+10.3% YoY
 1.2%
-0.9% YoY
 Top 24.1% in tier
Loan To Share 76.7%
+3.6% YoY+5.4% QoQ
 +4.0% 72.7%
-1.5% YoY
 71.3%
-1.2% YoY
 68.0%
-1.7% YoY
 55th in tier
AMR $25,725
+8.2% YoY+2.6% QoQ
 +$1K $24,363
+2.9% YoY
 $16,641
+2.9% YoY
 $19,418
+1.3% YoY
 68th in tier
CD Concentration 25.5%
+2.8% YoY+10.6% QoQ
 +1.1% 24.4%
+4.2% YoY
 17.4%
+3.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0%
-100.0% YoY
 -14.0% 14.0%
-5.8% YoY
 5.9%
-5.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#193 of 1006 • Top 7.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 8.23%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#298 of 1006 • Top 10.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 8.23%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk
#141 of 521 • Bottom 7.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 86.61%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.00% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -3.76%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline
#182 of 550 • Bottom 11.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -3.76%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#285 of 550 • Bottom 17.3% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.26%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.76%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.7K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 25.47%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Overhang

risk
#321 of 552 • Bottom 20.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.80%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 76.66%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
115
Fee Income Per Member
profitability
Value: $261.48
Peer Avg: $174.31
#115 of 1077 Top 10.6% in 100M-500M tier
134
Net Interest Margin (NIM)
profitability
Value: 4.35%
Peer Avg: 3.58%
#134 of 1077 Top 12.3% in 100M-500M tier
151
AMR Growth Rate
growth
Value: 8.23%
Peer Avg: 3.64%
#151 of 1077 Top 13.9% in 100M-500M tier
250
Net Worth Ratio
risk
Value: 13.80%
Peer Avg: 12.15%
#250 of 1077 Top 23.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1057
Members Per Employee (MPE)
engagement
Value: 178.911
Peer Avg: 332.881
#1057 of 1077 Bottom 1.9% in 100M-500M tier
935
Asset Growth Rate
growth
Value: -1.25%
Peer Avg: 4.70%
#935 of 1077 Bottom 13.3% in 100M-500M tier
921
Member Growth Rate
growth
Value: -3.76%
Peer Avg: 0.72%
#921 of 1077 Bottom 14.6% in 100M-500M tier
902
Return on Assets (ROA)
profitability
Value: 0.26%
Peer Avg: 0.79%
#902 of 1077 Bottom 16.3% in 100M-500M tier
879
Efficiency Ratio
profitability
Value: 86.61%
Peer Avg: 77.28%
#879 of 1077 Bottom 18.5% in 100M-500M tier
850
Net Charge-Off Rate
risk
Value: 0.68%
Peer Avg: 0.47%
#850 of 1077 Bottom 21.2% in 100M-500M tier
818
Total Delinquency Rate (60+ days)
risk
Value: 1.14%
Peer Avg: 0.86%
#818 of 1077 Bottom 24.1% in 100M-500M tier