BlastPoint's Credit Union Scorecard

MYCOM

Charter #10065 · MA

<100M

2508 CUs in <100M nationally 66 in MA

MYCOM faces 1 concern requiring attention

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.06% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	2,719 -1.1% YoY+1.1% QoQ	+42	2,676 +1.6% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	64%
Assets	$27.4M -1.6% YoY+3.6% QoQ	$-2.8M	$30.2M +1.3% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	56%
Loans	$8.5M -13.8% YoY-5.4% QoQ	$-6.8M	$15.3M -2.0% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	47%
Deposits	$23.9M -2.8% YoY+4.0% QoQ	$-1.9M	$25.8M +0.7% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	57%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -107.2% YoY-82.5% QoQ	-0.1%	0.1% -77.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	25%
NIM	3.5% -2.8% YoY-8.7% QoQ	-0.5%	4.0% +4.0% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	34%
Efficiency Ratio	86.8% +29.5% YoY+15.2% QoQ	-3.8%	90.6% +6.5% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	1.5% +39.2% YoY-56.4% QoQ	+0.0	1.5% +3.8% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	74%
Loan To Share	35.5% -11.3% YoY-9.1% QoQ	-23.0%	58.5% -3.0% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	17%
AMR	$11,928 -4.9% YoY+0.3% QoQ	$-3K	$14,884 -1.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	38%
CD Concentration	25.5% +20.4% YoY+6.3% QoQ	+1.2%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

500

Members Per Employee (MPE)

engagement

Value: 453.167

Peer Median: 333.750

#500 of 2508 Top 19.9% in <100M tier

Top Weaknesses (5 metrics)

2171

Loan Growth Rate

growth

Value: -13.80%

Peer Median: -2.36%

#2171 of 2508 Bottom 13.5% in <100M tier

2085

Loan-to-Share Ratio

balance_sheet

Value: 35.52%

Peer Median: 58.72%

#2085 of 2508 Bottom 16.9% in <100M tier

2074

AMR Growth Rate

growth

Value: -4.90%

Peer Median: 1.27%

#2074 of 2508 Bottom 17.3% in <100M tier

1897

Share Certificate Concentration (%)

balance_sheet

Value: 25.50%

Peer Median: 12.45%

#1897 of 2508 Bottom 24.4% in <100M tier

1882

Return on Assets (ROA)

profitability

Value: 0.08%

Peer Median: 0.61%

#1882 of 2508 Bottom 25.0% in <100M tier