BlastPoint's Credit Union Scorecard
MCCOY
Charter #9915 · FL
MCCOY has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 98.0% in tier
- + First Mortgage Concentration (%): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.6% in tier
- - ROA 0.08% below tier average
- - Total Assets: Bottom 2.3% in tier
- - Indirect Auto Concentration (%): Bottom 2.6% in tier
- - Total Deposits: Bottom 4.6% in tier
- - Average Member Relationship (AMR): Bottom 5.0% in tier
- - Total Loans: Bottom 5.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
80,893
+0.8% YoY-0.0% QoQ
|
-16.5K |
97,431
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$1.0B
+6.5% YoY+2.9% QoQ
|
$-693.3M |
$1.7B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.0% in tier |
| Loans |
$676.0M
+0.4% YoY-0.2% QoQ
|
$-558.4M |
$1.2B
+0.5% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.3% in tier |
| Deposits |
$891.0M
+5.8% YoY+3.1% QoQ
|
$-568.4M |
$1.5B
+0.9% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.3% in tier |
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| ROA |
0.6%
+60.8% YoY+0.3% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
3.1%
+8.0% YoY-0.9% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
73.5%
-5.5% YoY+0.1% QoQ
|
-0.6% |
74.1%
-9.5% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.5%
-15.9% YoY+14.2% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
75.9%
-5.0% YoY-3.2% QoQ
|
-8.9% |
84.8%
-0.8% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$19,371
+2.6% YoY+1.7% QoQ
|
$-10K |
$29,428
+2.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.6% in tier |
| CD Concentration |
26.8%
+17.8% YoY+4.7% QoQ
|
-2.2% | 29.0% | 24.1% | 19.8% | 40% |
| Indirect Auto % |
52.2%
-0.4% YoY+0.0% QoQ
|
+33.8% | 18.3% | 10.8% | 7.8% | Top 2.4% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)