MCT
Federal • Port Neches, Texas • Est. 1953
Quick Facts
- Charter Number
- #97089
- Type
- Federal
- Established
- 1953
- Headquarters
- Port Neches, Texas 77651
- Address
- PO Box 279
- Branches
- 6
- ATMs
- 6
- Members
- 22,032
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
22,032 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MCT |
|---|---|
| Total Assets | $395.5M |
| Members | 22,032 |
| Loans Outstanding | $246.5M |
| Shares & Deposits | $345.8M |
| Net Worth | $41.0M |
| Net Worth Ratio | 10.36% |
| Loan-to-Share Ratio | 71.3% |
| Delinquency Rate | 0.51% |
| Net Income | +$1,818,347 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 6 ATMs
Port Neches Branch
Main Office2736 Nall St
Port Neches, TX 77651-5204
Bridge City Branch
4837 Highway 87 S
Orange, TX 77630-9099
Orange Branch
5401 16th St
Orange, TX 77632-1241
Nederland Branch
524 N Memorial Fwy
Nederland, TX 77627-7152
Lumberton Branch
94 N Lhs Dr
Lumberton, TX 77657-8627
Who Can Join MCT?
Membership Type: Community
Membership eligibility for MCT may vary. Contact the credit union directly to confirm qualification requirements.
Contact MCT directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. MCT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MCT has 22,032 members and a potential membership field of 1,056,994 people.
MCT's net worth ratio is 10.36% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.4%, MCT meets this threshold.
MCT operates 6 branch locations and has access to 6 ATMs. The main office is located at 2736 Nall St, Port Neches, TX 77651-5204.
MCT was established in 1953. It is a federal credit union chartered under charter number 97089. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MCT. All financial data is for informational purposes only.