MCT

Charter #97089 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

MCT has 6 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 8.1% in tier
  • + Wallet Share Momentum: Top 22.9% in tier
  • + Organic Growth Leader: Top 25.7% in tier
  • + Organic Growth Engine: Top 28.7% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 7.5% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.7% in tier
  • - ROA 0.44% below tier average
  • - Efficiency ratio 13.57% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 21,822
+1.2% YoY+1.4% QoQ
 +6.2K 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 20.1% in tier
Assets $383.4M
+5.6% YoY-0.7% QoQ
 +$152.1M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 13.3% in tier
Loans $243.5M
+5.8% YoY+1.9% QoQ
 +$95.7M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 15.3% in tier
Deposits $337.1M
+4.1% YoY-1.1% QoQ
 +$136.8M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 12.1% in tier
ROA 0.4%
+4.7% YoY+27.8% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 21.4% in tier
NIM 3.3%
+0.5% YoY+1.4% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 34th in tier
Efficiency Ratio 90.8%
-1.2% YoY-0.4% QoQ
 +13.6% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 9.5% in tier
Delinquency Rate 0.4%
-33.8% YoY-11.6% QoQ
 -0.5 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 28th in tier
Loan To Share 72.2%
+1.7% YoY+3.0% QoQ
 -0.5% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 45th in tier
AMR $26,604
+3.5% YoY-1.2% QoQ
 +$2K $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 72nd in tier
CD Concentration 11.2%
+17.7% YoY+4.4% QoQ
 -13.2% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#224 of 1006 • Top 8.1% in tier

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

Why This Signature
AMR Growth (YoY): 3.54%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#632 of 1006 • Top 22.9% in tier

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

Why This Signature
AMR Growth (YoY): 3.54%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Leader

growth
#340 of 430 • Top 25.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.24%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth
#526 of 603 • Top 28.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.24%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.35%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (1)

Efficiency Drag

risk
#14 of 521 • Bottom 0.7% in tier

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

Why This Signature
Efficiency Ratio: 90.85%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.02% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.24%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

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 (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
82
Fee Income Per Member
profitability
Value: $282.74
Peer Avg: $174.31
#82 of 1077 Top 7.5% in 100M-500M tier
130
Total Deposits
balance_sheet
Value: $337.08M
Peer Avg: $200.29M
#130 of 1077 Top 12.0% in 100M-500M tier
136
Share Certificate Concentration (%)
balance_sheet
Value: 11.25%
Peer Avg: 23.61%
#136 of 1077 Top 12.5% in 100M-500M tier
143
Total Assets
balance_sheet
Value: $383.42M
Peer Avg: $231.30M
#143 of 1077 Top 13.2% in 100M-500M tier
165
Total Loans
balance_sheet
Value: $243.47M
Peer Avg: $147.80M
#165 of 1077 Top 15.2% in 100M-500M tier
217
Total Members
engagement
Value: 21,822
Peer Avg: 15,628
#217 of 1077 Top 20.1% in 100M-500M tier
267
Net Charge-Off Rate
risk
Value: 0.16%
Peer Avg: 0.47%
#267 of 1077 Top 24.7% in 100M-500M tier

Top Weaknesses (3 metrics)

976
Efficiency Ratio
profitability
Value: 90.85%
Peer Avg: 77.28%
#976 of 1077 Bottom 9.5% in 100M-500M tier
871
First Mortgage Concentration (%)
balance_sheet
Value: 46.07%
Peer Avg: 30.43%
#871 of 1077 Bottom 19.2% in 100M-500M tier
847
Return on Assets (ROA)
profitability
Value: 0.35%
Peer Avg: 0.79%
#847 of 1077 Bottom 21.4% in 100M-500M tier