M. C. T. Federal Credit Union


Overview / Commentary
518-842-1840
4883 STATE HIGHWAY 30
Amsterdam, NY 12010

M. C. T. Federal Credit Union is headquartered in AMSTERDAM and is the 109th largest credit union in the state of New York. It is also the 2,169th largest credit union in the nation. It was established in 1960 and as of March of 2025, it had grown to 7 employees and 3,010 members at 1 location. M. C. T. Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in M. C. T. Federal Credit Union is open to employees of Montgomery County and other Select Employer Groups.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. M. C. T. Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #13766
Year Chartered1960
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD1.97%
Return on Equity - YTD14.03%
Annual Interest Income$612K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$68.5MM$67.4MM
LoansQ1 2025vs Q1 2024$9.4MM$10.1MM
DepositsQ1 2025vs Q1 2024$58.9MM$59.1MM
Equity CapitalQ1 2025vs Q1 2024$9.5MM$8.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$37K$25K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$19K$9K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


M. C. T. Federal Credit Union Locations
Corporate Office4883 State Highway 30AMSTERDAM, NY 12010

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