M. C. T.
Federal • Amsterdam, New York • Est. 1960
Quick Facts
- Charter Number
- #13766
- Type
- Federal
- Established
- 1960
- Headquarters
- Amsterdam, New York 12010
- Address
- 4883 State Highway 30
- Branches
- 1
- Members
- 2,700
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
2,700 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | M. C. T. |
|---|---|
| Total Assets | $72.0M |
| Members | 2,700 |
| Loans Outstanding | $7.7M |
| Shares & Deposits | $60.9M |
| Net Worth | $10.9M |
| Net Worth Ratio | 15.19% |
| Loan-to-Share Ratio | 12.7% |
| Delinquency Rate | 0.57% |
| Net Income | +$353,240 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
1 location
4883 State Highway 30
Main Office4883 State Highway 30
Amsterdam, NY 12010
Who Can Join M. C. T.?
Membership Type: Community
Membership eligibility for M. C. T. may vary. Contact the credit union directly to confirm qualification requirements.
Contact M. C. T. directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
M. C. T. is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, M. C. T. has 2,700 members and a potential membership field of 11,000 people.
M. C. T.'s reported net worth ratio is 15.19% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
M. C. T. operates 1 branch location. The main office is located at 4883 State Highway 30, Amsterdam, NY 12010.
M. C. T. was established in 1960. It is a federal credit union chartered under charter number 13766. The institution has been serving members for 66 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or M. C. T.. All financial data is for informational purposes only.