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MCT CREDIT UNION

Mar, 31, 2021 — MCT CREDIT UNION is a non-federally insured state credit union headquartered in Port Neches, TX with 5 branch locations and about $365.81 million in total assets. Opened 68 years ago in 1953, MCT CREDIT UNION has about 20,692 members and employs 87 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 313187649
Name:MCT CREDIT UNION
Address:
(Main Office)
PO Box 279
Port Neches, TX 77651
Phone:(409) 727-1446
Fax:(409) 724-3509
Website:http://www.mctcu.org
Branches:5 branch locations
Members:20,692
Credit Union Type:Non-Federally Insured State Credit Union
Charter Number:97089
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1953
Last Audited:Mar 01, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$365,809,364
CEO/Manager:THAD ANGELLE
Chairperson:REBECCA DEMETER

Call Report

  • Commercial Loans
  • Credit Builder
  • Debt Cancellation/Suspension
  • Interest Only or Payment Option 1st Mortgage Loans
  • Micro Business Loans
  • Micro Consumer Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • International Remittances

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 79,553,335
TOTAL INVESTMENTS 75,482,507
Loans Held for Sale 362,312
 
 Real Estate Loans 97,126,041
 Unsecured Loans 14,699,941
 Other Loans 74,850,484
 TOTAL LOANS 186,861,417
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -355,228
 Land And Building 7,569,586
 Other Fixed Assets 353,190
 NCUSIF Deposit 0
 All Other Assets 15,982,245
  TOTAL ASSETS 365,809,364
LIABILITIES & CAPITAL:  
 Dividends Payable 86,078
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 8,229,091
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 122,957,363
 Regular shares 110,905,930
 All Other Shares & Deposits 92,237,476
  TOTAL SHARES & DEPOSITS 326,100,769
  TOTAL LIABILITIES 334,415,938
 Regular Reserve 3,933,573
 Other Reserves -3,705,219
 Undivided Earnings 31,165,072
  TOTAL EQUITY 31,393,426
  TOTAL LIABILITIES, SHARES, & EQUITY 365,809,364
INCOME & EXPENSE  
 Loan Income 2,201,009
 Investment Income 206,267
 Other Income 328,447
 Total Employee Compensation & Benefits 1,629,803
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,568,123
 Non-operating Income & (Expense) 2,233
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -23,587
 Cost of Funds 268,061
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 251,333
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