M. C. T.
Amsterdam, NY · Federal Credit Union · Chartered in NY
Who can join
Occupational / select employee group
Members
2,700
Net Worth Ratio
15.19%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$72.0M
Peer Group 4
Members
2,700
as of latest quarter
Net Worth Ratio
15.19%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$72.0M
Total Shares
$60.9M
Total Loans
$7.7M
Net Income
$353K
Net Worth Ratio
15.19%
≥7% = Well Capitalized
Members
2,700
Return on Assets
0.49%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.24%
$19K
Loan-to-share ratio: 12.7%· healthy range 60–80%
Branch Locations
NCUA4883 State Highway 30
4883 State Highway 30, AMSTERDAM, NY, 12010
MON-WED 9:AM - 4:30PM THURS - 9AM - 5PM FRIDAY - 9AM - 6PM SATURDAY - 9AM - NOON (DRIVE THRU ONLY)
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/m-c-t" target="_blank" rel="noopener">View M. C. T. on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.