BlastPoint's Credit Union Scorecard
MYCOM
Charter #10065 · MA
MYCOM has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Delinquency rate 2.06% above tier average
- - Member decline: -2.5% YoY
- - Net Charge-Off Rate: Bottom 3.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,663
-2.5% YoY-3.1% QoQ
|
+37 |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$26.1M
-4.2% YoY-4.7% QoQ
|
$-3.8M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$9.3M
-15.6% YoY-5.7% QoQ
|
$-6.5M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
49% |
| Deposits |
$22.7M
-5.1% YoY-5.6% QoQ
|
$-2.8M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
0.4%
-67.3% YoY+119.2% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
3.8%
+7.4% YoY+2.7% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
71.1%
+10.4% YoY+3.8% QoQ
|
-10.3% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
3.6%
-13.9% YoY+179.9% QoQ
|
+2.1 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 9.7% in tier |
| Loan To Share |
41.0%
-11.1% YoY-0.0% QoQ
|
-20.2% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$12,004
-6.1% YoY-2.7% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
40% |
| CD Concentration |
24.1%
+2.9% YoY+1.8% QoQ
|
-0.3% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)