BlastPoint's Credit Union Scorecard
MYCOM
Charter #10065 · MA
MYCOM has 1 strength but faces 3 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 0.14% below tier average
- - Delinquency rate 1.80% above tier average
- - Net Charge-Off Rate: Bottom 4.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,690
-1.8% YoY+1.0% QoQ
|
+74 |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$26.5M
-1.3% YoY+1.4% QoQ
|
$-3.7M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$9.0M
-13.4% YoY-3.3% QoQ
|
$-6.8M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$23.0M
-2.1% YoY+1.5% QoQ
|
$-2.7M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
0.5%
-50.8% YoY+12.9% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
3.8%
+4.9% YoY+0.5% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
75.4%
+4.6% YoY+6.0% QoQ
|
-7.2% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
3.4%
-23.4% YoY-6.1% QoQ
|
+1.8 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Top 11.3% in tier |
| Loan To Share |
39.1%
-11.5% YoY-4.7% QoQ
|
-21.5% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$11,896
-3.9% YoY-0.9% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
24.0%
+1.5% YoY-0.3% QoQ
|
-0.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 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)