credit union · NCUA 97089 · TX
How big is MCT?
MCT (TX, NCUA charter 97089) reported total assets of $415.2M, 21,486 members and a net worth ratio of 10.10% in its Call Report for 2026Q2. That ranks 853 of 4,299 federally insured credit unions by assets, 94 of 1,061 among credit unions with $100m-$500m in assets, 72 of 380 credit unions in texas.
What stands out
MCT (TX, NCUA charter 97089) reported total assets of $415.2M, 21,486 members and a net worth ratio of 10.10% in its Call Report for 2026Q2. That ranks 853 of 4,299 federally insured credit unions by assets, 94 of 1,061 among credit unions with $100m-$500m in assets, 72 of 380 credit unions in texas. Against its size class: net worth ratio 10.10%, below the peer median of 11.65%; loan-to-share ratio 70.15%, below the peer median of 73.15%; return on assets 0.49%, below the peer median of 0.74%. At 10.10% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $415.2M | $198.1M | $49.9M | $68.3M | record → |
| Shares and deposits | $363.0M | $172.3M | $40.8M | $58.3M | record → |
| Loans outstanding | $254.6M | $125.2M | $24.4M | $34.4M | record → |
| Net income (year to date) | $1.0M | $766.3k | $141.6k | $222.2k | record → |
| Net worth | $41.9M | $24.5M | $7.4M | $9.0M | record → |
| Net worth ratio | 10.10% | 11.65% | 13.62% | 12.65% | record → |
| Loan-to-share ratio | 70.15% | 73.15% | 70.24% | 68.70% | computed |
| Return on assets | 0.49% | 0.74% | 0.59% | 0.71% | computed |
| Members | 21,486 | 13,230 | 4,156 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $415.2M | $363.0M | $254.6M | $1.0M | 10.10% | 21,486 | 853 |
| 2026Q1 | $411.3M | $361.7M | $244.7M | $433.4k | 10.05% | 21,604 | 859 |
| 2025Q4 | $395.5M | $345.8M | $246.5M | $1.3M | 10.36% | 22,032 | 873 |
| 2025Q3 | $383.4M | $337.1M | $243.5M | $1.0M | 10.61% | 21,822 | 889 |
| 2025Q2 | $386.3M | $340.8M | $238.9M | $522.8k | 10.40% | 21,520 | 882 |
| 2025Q1 | $376.7M | $338.9M | $228.4M | $207.4k | 10.58% | 21,689 | 896 |
| 2024Q4 | $358.6M | $321.9M | $229.0M | $1.1M | 11.08% | 21,788 | 911 |
| 2024Q3 | $363.1M | $323.8M | $230.0M | $908.8k | 10.90% | 21,554 | 908 |
| 2024Q2 | $360.7M | $323.6M | $231.3M | $625.6k | 10.89% | 21,134 | 905 |
| 2024Q1 | $358.5M | $325.6M | $230.1M | $226.2k | 10.85% | 21,259 | 909 |
| 2023Q4 | $355.7M | $312.9M | $233.8M | $1.0M | 10.89% | 21,156 | 909 |
| 2023Q3 | $361.2M | $318.9M | $234.4M | $1.1M | 10.74% | 20,768 | 895 |
| 2023Q2 | $355.1M | $320.7M | $227.5M | $623.3k | 10.81% | 20,713 | 910 |
| 2023Q1 | $366.3M | $328.3M | $222.2M | $440.4k | 10.43% | 20,869 | 897 |
| 2022Q4 | $355.8M | $323.9M | $221.4M | $1.6M | 10.61% | 20,755 | 898 |
| 2022Q3 | $367.3M | $335.3M | $219.2M | $1.5M | 10.26% | 20,756 | 875 |
| 2022Q2 | $368.9M | $334.7M | $214.7M | $849.0k | 10.04% | 20,672 | 872 |
| 2022Q1 | $374.2M | $337.9M | $210.1M | $376.8k | 9.77% | 20,820 | 864 |
| 2021Q4 | $363.1M | $328.7M | $204.6M | $1.4M | 9.97% | 20,746 | 867 |
| 2021Q3 | $379.1M | $326.2M | $202.4M | $1.5M | 9.58% | 20,703 | 844 |
| 2021Q2 | $365.5M | $325.8M | $196.8M | $655.6k | 9.71% | 20,594 | 847 |
| 2021Q1 | $365.8M | $326.1M | $186.9M | $251.3k | 9.59% | 20,692 | 846 |
| 2020Q4 | $357.0M | $315.4M | $183.4M | $1.1M | 9.76% | 20,555 | 823 |
| 2020Q3 | $341.9M | $300.2M | $186.7M | $655.4k | 10.05% | 20,474 | 830 |
| 2020Q2 | $332.7M | $292.4M | $189.0M | $277.4k | 10.22% | 20,323 | 834 |
| 2020Q1 | $312.9M | $274.6M | $189.2M | $297.6k | 10.87% | 20,636 | 830 |
| 2019Q4 | $300.0M | $261.8M | $190.5M | $2.4M | 11.24% | 20,541 | 835 |
| 2019Q3 | $291.5M | $253.9M | $193.0M | $2.1M | 11.48% | 20,594 | 842 |
| 2019Q2 | $297.0M | $258.5M | $192.4M | $1.3M | 11.00% | 20,556 | 830 |
| 2019Q1 | $301.4M | $262.7M | $190.2M | $674.0k | 10.63% | 20,774 | 820 |
| 2018Q4 | $295.9M | $260.0M | $190.1M | $2.0M | 10.60% | 20,701 | 817 |
| 2018Q3 | $299.1M | $264.0M | $191.5M | $1.7M | 10.39% | 20,709 | 808 |
| 2018Q2 | $308.6M | $273.2M | $189.0M | $890.4k | 9.82% | 20,585 | 790 |
| 2018Q1 | $314.4M | $280.9M | $185.6M | $284.9k | 9.45% | 20,765 | 782 |
| 2017Q4 | $315.9M | $278.8M | $187.2M | $2.0M | 9.31% | 20,641 | 769 |
| 2017Q3 | $288.2M | $247.7M | $186.1M | $1.5M | 10.02% | 20,578 | 803 |
| 2017Q2 | $266.2M | $231.8M | $183.0M | $1.3M | 10.78% | 20,446 | 839 |
| 2017Q1 | $266.0M | $234.5M | $181.2M | $485.0k | 10.49% | 20,507 | 836 |
| 2016Q4 | $255.5M | $225.4M | $180.3M | $751.4k | 10.73% | 21,113 | 842 |
| 2016Q3 | $258.4M | $228.2M | $176.9M | $930.8k | 10.68% | 20,953 | 834 |
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