Charter 97089 · Port Neches, TX
McT Credit Union
McT Credit Union is a state-chartered credit union in Port Neches, Texas, with $415 million in assets and 21,486 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.10%, well above the 7% that NCUA's rules treat as well capitalized.
NCUA's records list McT Credit Union as a state-chartered credit union that is not federally insured. Deposits are not covered by NCUA's Share Insurance Fund; ask the credit union how they are insured.
- Total assets
- $415 million
- +7.5% in a year
- Members
- 21,486
- -0.2% in a year
- Net worth ratio
- 10.10%
- Peer median 11.65%
- Loans 60+ days late
- 0.29%
- Peer median 0.70%
- Loans outstanding
- $255 million
- +6.6% in a year
- Shares and deposits
- $363 million
- +6.5% in a year
- Branches
- 6
- 81 employees
- Opened
- 1953
- Texas charter
How McT Credit Union compares
NCUA groups credit unions by size; McT Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.10% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.29%, is lower than the group median of 0.70%. Loans grew 6.6% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 72 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $415 million | 21,486 | $255 million | 10.10% | 0.29% |
| Q1 2026 | $411 million | 21,604 | $245 million | 10.05% | 0.18% |
| Q4 2025 | $395 million | 22,032 | $246 million | 10.36% | 0.51% |
| Q3 2025 | $383 million | 21,822 | $243 million | 10.61% | 0.41% |
| Q2 2025 | $386 million | 21,520 | $239 million | 10.40% | 0.46% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.0 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for McT Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Port Neches Branch (main office)
2736 Nall St, Port Neches, TX 77651 - Bridge City Branch
4837 Highway 87 S, Orange, TX 77630 - Orange Branch
5401 16Th St, Orange, TX 77632 - Nederland Branch
524 N Memorial Fwy, Nederland, TX 77627 - Lumberton Branch
94 N Lhs Dr, Lumberton, TX 77657 - Beaumont Branch
3950 Dowlen Rd, Beaumont, TX 77706
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology