Credit union · NCUA insured
Matagorda County Credit Union
A $36.7M credit union headquartered in Bay City, TX, with 2,460 members and 1 branch in Texas. Best rates: CDs 4.00% and savings 0.25% APY.
Matagorda County Credit Union Carrot Score
69
Carrot Score
Higher than 24% of U.S. banks and credit unions
#5 of 7 in Bay City, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Matagorda County Credit Union
Matagorda County Credit Union is located in Bay City, Texas.
- Headquarters
- 3700 Avenue F, Bay City, TX 77414
- NCUA charter
- 67545
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons living, worshiping, working, or going to school in Matagorda, Wharton, and Brazoria County.
Cost to join
- As a condition of membership, members must purchase and maintain the minimum required share(s).
Branches
1 branch in Texas
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Texas
1 branch
- Matagorda County Credit UnionMain office3700 Avenue F, Bay City, TX 77414Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.39% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.31% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.56% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $57 | $59 | — |
- CapitalNet worth ratio17.39%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.31%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.56%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$57Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Matagorda County Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.