BlastPoint's Credit Union Scorecard
MCCOY
Charter #9915 · FL
MCCOY has 3 strengths but faces 9 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 33.3% in tier
- + Credit Quality Leader: Top 88.3% in tier
- + First Mortgage Concentration (%): Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 9.7% in tier
- - Shrinking Wallet Share: Bottom 25.4% in tier
- - ROA 0.10% below tier average
- - Total Assets: Bottom 0.3% in tier
- - Indirect Auto Concentration (%): Bottom 3.3% in tier
- - Total Deposits: Bottom 3.6% in tier
- - Average Member Relationship (AMR): Bottom 5.3% in tier
- - Total Loans: Bottom 5.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
80,927
+0.9% YoY+0.4% QoQ
|
-17.8K |
98,678
-1.9% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$1.0B
+0.9% YoY+1.3% QoQ
|
$-718.6M |
$1.7B
+0.5% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.0% in tier |
| Loans |
$677.3M
+0.4% YoY+1.2% QoQ
|
$-555.8M |
$1.2B
+0.5% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.6% in tier |
| Deposits |
$863.9M
-0.1% YoY+0.9% QoQ
|
$-590.4M |
$1.5B
+1.3% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.3% in tier |
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| ROA |
0.6%
+82.1% YoY+1.9% QoQ
|
-0.1% |
0.7%
+13.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
3.1%
+11.9% YoY+1.2% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
73.4%
-6.9% YoY+1.1% QoQ
|
-0.6% |
74.0%
-10.9% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.4%
-15.8% YoY-5.9% QoQ
|
-0.4 |
0.8%
+6.1% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
22% |
| Loan To Share |
78.4%
+0.5% YoY+0.4% QoQ
|
-6.8% |
85.2%
-0.8% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$19,045
-0.8% YoY+0.6% QoQ
|
$-10K |
$29,172
+2.8% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.9% in tier |
| CD Concentration |
25.6%
-0.8% YoY+5.0% QoQ
|
-3.3% |
29.0%
+0.7% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
36% |
| Indirect Auto % |
52.2%
-0.8% YoY+0.6% QoQ
|
+33.4% |
18.8%
-3.0% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
Top 2.9% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)