BlastPoint's Credit Union Scorecard
MCCOY
Charter #9915 · FL
MCCOY has 1 strength but faces 8 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
- + First Mortgage Concentration (%): Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.4% in tier
- - Indirect Auto Dependency: Bottom 50.5% in tier
- - Credit Risk Growth: Bottom 71.3% in tier
- - ROA 0.36% below tier average
- - Efficiency ratio 2.57% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 2.6% in tier
- - Total Assets: Bottom 2.9% in tier
- - Average Member Relationship (AMR): Bottom 5.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
81,089
+0.8% YoY+0.2% QoQ
|
-15.0K |
96,048
-2.7% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$1.0B
+4.9% YoY-0.1% QoQ
|
$-690.5M |
$1.7B
+0.4% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.6% in tier |
| Loans |
$688.8M
+1.8% YoY+1.9% QoQ
|
$-524.9M |
$1.2B
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.9% in tier |
| Deposits |
$909.9M
+6.7% YoY+2.1% QoQ
|
$-555.7M |
$1.5B
+0.5% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-29.7% YoY-40.4% QoQ
|
-0.4% |
0.7%
+27.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
21% |
| NIM |
3.1%
+2.5% YoY-0.2% QoQ
|
-0.2% |
3.4%
+6.2% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
31% |
| Efficiency Ratio |
77.2%
+5.7% YoY+5.1% QoQ
|
+2.6% |
74.6%
-3.0% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
0.5%
+97.3% YoY+15.1% QoQ
|
-0.2 |
0.8%
+6.9% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
40% |
| Loan To Share |
75.7%
-4.6% YoY-0.2% QoQ
|
-7.5% |
83.2%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
25% |
| AMR |
$19,715
+3.7% YoY+1.8% QoQ
|
$-10K |
$29,652
+2.3% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.9% in tier |
| CD Concentration |
27.3%
+21.5% YoY+1.6% QoQ
|
-1.6% | 28.8% | 24.4% | 19.8% | 44% |
| Indirect Auto % |
53.2%
+2.1% YoY+1.9% QoQ
|
+35.1% | 18.1% | 10.8% | 7.7% | Bottom 2.3% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)