# MCT
Port Neches, TX · NCUA charter 97089 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mct-97089

Who the members are: state charter, organized 1953. 21,604 members of 1,056,994 potential (2.0% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $411.3M |
| Members | 21,604 (-0.4% YoY) |
| Full-time staff | 78 |
| Net worth | $41.3M |
| Net worth ratio | 10.1% (p30 of band) |
| ROA (annualized) | 0.42% (p30 of band) |
| Total delinquency | 0.18% (p10 of band) |
| Net charge-offs (annualized) | 0.08% (p12 of band) |
| Loans / shares | 68% (p36 of band) |
| Cash / assets | 12.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.27% (p31 of band) |
| Operating expense / assets | 4.36% (p78 of band) |
| Vehicles % of loans | 25% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.31% (p28 of band) |
| Vehicle NCO | 0.05% (p10 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 58% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 12% |
| Average share balance | $7,613 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $19,582 |
| Loans granted, annualized | $107.6M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | net worth falling, margin squeeze |  |
| 2018-03 | 0 |  | net worth falling, margin squeeze |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | assets shrinking |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | assets shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 2 | delinquency 2x band |  |
| 2022-09 | 2 | assets shrinking | delinquency 2x band |
| 2022-12 | 2 | delinquency 2x band | assets shrinking |
| 2023-03 | 0 |  | delinquency rising, delinquency 2x band |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 0 |  | assets shrinking |
| 2023-12 | 1 | expense trap |  |
| 2024-03 | 0 |  | expense trap |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | net worth falling |  |
| 2025-09 | 0 |  | net worth falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-05-15 [MCT Credit Union officially opens new Beaumont location - Beaumont Enterprise](https://news.google.com/rss/articles/CBMilAFBVV95cUxOUEx1d1VpMWc3Mm5jRHNTbk9TYW5KRG1FVTFFVWpVZ2JyWE41RWNacDJCOWFTdVM3Vm5CbjAyT0gxRjNZV0hCWUFsR0JkeTNGTlpURFYxcWMzU2ZST0szNS1VQUtFQW9Ya0o2U0tHd3BSZ0V1SC1RcmRPYWtzX01NRkFnXzBuZHhOM3I4NUROVmhZQTVl?oc=5) · Beaumont Enterprise
- 2025-06-30 [Orange County Sheriff's Office searching for ATM thieves after brazen heist at MCT Credit Union - 12newsnow.com](https://news.google.com/rss/articles/CBMihwJBVV95cUxNNWs5ZHptc0RwRHQ4cTBvcHIzR1ZCWE9sTWZRcWJ1Mm5tWm1pNWRPTV9ZN01oNS1kV2tNUnQ2ZXV4ZV9SbEZJVEIxNDlub0I1cmJDVGVjU3FraHFXbTNhX19fbEZjS1N1RW1qLUR1UWRqVlQ2TWk0R01Sbm1QbTBLN01RUmk1T1JKVjAtaHlCZzhsamRuV0hUUGFkMDNWTWVPSFc4aVdpVGlOVEVOYjhQT3p2b0hXclRvcElQODVJX0Z2V0NjaWFPTGpKVHpXM21GR3BhQUtDcEU5SVpLMEk1V2lDR1p0VDRuLVZ5SDdiU01qYWkxQldpMGVUNGVpdlVtSjBaUExTZw?oc=5) · 12newsnow.com
- 2025-09-01 [Three suspects arrested after failed ATM theft in Lumberton - kfdm.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQWlNDTUs1ODkxLTJ4TE9PQW1iVmpYZ2NmaXZZeEV0UXFmejRGZDVNclVCWF9EYTAtVm5WNm1DaEx4TjZCQ1ItcFRCZVEtemQ0dVNaSHV6anNVaG9wWFFMSmp0aWpKamQwTi1SWHBLZzNqX251Q1hIaGxrV3J0UHNhenRGSEtDTmNVdGFxd1h1US0?oc=5) · kfdm.com
- 2025-07-02 [Thieves in stolen truck involved in ATM burglary and hit-and-run crash - KJAS.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOMmk2ZE1HXzhiRXVySUhVZm0zbm5nOWlhbFh3T2hTTTFocGI0cl9WVkd6Vi15VkpIMFlNb1ZXWVBQSlRZcDZ0YmtjWFdUczVSeHJiQ2ZuRzhzMjlnNk5xbjNGRnl0aHRPMkxmM0FFdzVRVUt3THJLUWdtQ1ZiSXBsZDlvWVotZER6MUVrSi1ldw?oc=5) · KJAS.com
- 2026-06-24 [Douglas Wayne Carrier Obituary (2026) - Port Neches, TX - Melancon Levingston Funeral Home - Nederland - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQQWQ0aFkybFFUeXpNcXdOZGdaTUxwN3psQ2xKTjRmTlpGT1hteWtsMmRhakxZeTVWS2tXZkI1dWttVmJuLUVVTWl2RXFNWXVmM2Q1RTVHalZkRzF0b3VLaFRBdmJ3N3A0dEExQXVJYTNIYzlvVkVQbFdLc0lBMlJEeDlHZ0I?oc=5) · legacy.com
- 2009-12-30 [Angelle named credit union CEO - The Record Newspapers](https://news.google.com/rss/articles/CBMilwFBVV95cUxQbmNOblFiUXZOanJ5clBDV3JfcDR0el8tbnlJZ21meE5CLWVGc09RSm85UWtfeUszczVpZVdZdUhvZTV3RVhwdjZIa3VMdTRFYzNhSEp5N1V5UTEzMm5DeXJpT2RieDJCUTlMcGtURG9nSG51cHV4TXVBTWY5NjBVaXNTcWRHZ1prc0lrVEd5Z1Y2VGJHdE9j?oc=5) · The Record Newspapers
- 2021-11-26 [Leslie’s Place named Business of the Month - Orange Leader](https://news.google.com/rss/articles/CBMihAFBVV95cUxOQ05seTA3S0RUX2RodHAwLW4yUEF0ZmhQaDdOblFSdk9zZ1JkbjJMTlc3MXFsOTM0bENmRnF6SG9RbzQ3SG5FckFqTTlaNDFPQjItdDU2NjduNm1nTjZTLUd2M0FJaEV0T2NkcDVqb2ZKaEotcVBNLWxJNElITXFjSlk2OVc?oc=5) · Orange Leader
- 2026-05-07 [Woman charged with stealing, using debit card from 70-year-old hospitalized friend - kfdm.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPVm5pMmdTUkhzM0hMVTRqaFBqUzVzRjRkN0pPeUpsTEEyQ0JZRHRnSmE4VjZ0MlVWekR4dDBSSDZ1TElaMUQwQ1p4QTJ3aEdkSzNTeU9KeUlZZWVmMTlHYWowTHBIay1OcXM2dnNqajNDcmRwRGRRNGtMcmM4V2c5SjFiTVdndjE1d3BxemszRVBGLWc?oc=5) · kfdm.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97089 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/1.json (key "97089", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=97089
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide