BlastPoint's Credit Union Scorecard
MYCOM
Charter #10065 · MA
MYCOM faces 2 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.43% below tier average
- - Delinquency rate 0.78% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits -3.2% year over year ($23.2M in shares and deposits).
- Membership: 2,738 members, -0.3% vs a year ago.
- Delinquency rate 2.33%.
- Return on assets 0.06%.
- Efficiency ratio 88.09% vs a 88.77% peer average.
- Loan-to-share ratio 37.05% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,738
-0.3% YoY+0.7% QoQ
|
+152 |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$26.7M
-2.4% YoY-2.5% QoQ
|
$-3.5M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$8.6M
-12.6% YoY+1.3% QoQ
|
$-6.8M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$23.2M
-3.2% YoY-2.9% QoQ
|
$-2.6M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
0.1%
-70.1% YoY-30.9% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.1% in tier |
| NIM |
3.7%
-0.6% YoY+5.5% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
88.1%
+28.5% YoY+1.4% QoQ
|
-0.7% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
2.3%
+82.4% YoY+59.3% QoQ
|
+0.8 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
37.0%
-9.7% YoY+4.3% QoQ
|
-21.8% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$11,633
-5.7% YoY-2.5% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration |
23.8%
+0.8% YoY-6.6% QoQ
|
-0.7% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 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)