MCT Credit Union
Major Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.1). Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 10.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.5) profitability.
Asset Mix:
Home mtgs (29%), consumer loans (19%), comm loans (11%), other (41%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
2736 Nall Street
Port Neches, TX 77651
Port Neches, TX 77651
Phone Number
(409) 727-1446
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
San Antonio, TX
Fort Worth, TX
Houston, TX
Port Neches, TX