MCT Credit Union

Overview / Commentary
2736 Nall St
Port Neches, TX 77651

MCT Credit Union is headquartered in Port Neches and is the 75th largest credit union in the state of Texas. It is also the 909th largest credit union in the nation. It was established in 1953 and as of December of 2023, it had grown to 87 employees and 21,156 members at 5 locations. MCT Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in MCT Credit Union is open to those who live, work, or are located in the Texas counties of Hardin, Jefferson, or Orange.
See current membership details


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Health Grade Components

NCUA #97089
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.28%
Return on Equity - YTD3.38%
Annual Interest Income$14.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$355.7MM$355.8MM
LoansQ4 2023vs Q4 2022$233.8MM$221.4MM
DepositsQ4 2023vs Q4 2022$312.9MM$323.9MM
Equity CapitalQ4 2023vs Q4 2022$29.8MM$26.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$881K$589K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$1.2MM$1.9MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0

Rates for MCT Credit Union are currently being reviewed.


MCT Credit Union Locations
Branch Office94 N Lhs DrLumberton, TX 77657-8627
Branch Office5401 16th StOrange, TX 77632-1241
Corporate Office2736 Nall StPort Neches, TX 77651-5204
Branch Office4837 Highway 87 SOrange, TX 77630-9099
Branch Office524 N Memorial FwyNederland, TX 77627-7152

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