MCCOY

Charter #9915 | FL

1B-3B (304 CUs) Mid-Market (380 CUs)
18 1B-3B in FL

MCCOY has 3 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 21.2% in tier
  • + Organic Growth Engine: Top 33.3% 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
 41st in tier
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
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
 43rd in tier
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
 38th in tier
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
 44th in tier
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
 Bottom 22.0% in tier
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
 29th in tier
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%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 36th in tier
Indirect Auto % 52.2%
-0.8% YoY+0.6% QoQ
 +33.4% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 Top 2.9% in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#113 of 184 • Top 21.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.60%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.93%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Organic Growth Engine

growth
#242 of 246 • Top 33.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.93%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.60%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 52.15%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (2)

Indirect Auto Dependency

risk
#61 of 202 • Bottom 9.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 0.85%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 52.15%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.93%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#78 of 83 • Bottom 25.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.76%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

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)

Comparing against 304 peers in tier

Top Strengths (2 metrics)

11
First Mortgage Concentration (%)
balance_sheet
Value: 11.52%
Peer Avg: 34.01%
#11 of 304 Top 3.3% in 1B-3B tier
68
Total Delinquency Rate (60+ days)
risk
Value: 0.40%
Peer Avg: 0.83%
#68 of 304 Top 22.0% in 1B-3B tier

Top Weaknesses (9 metrics)

304
Total Assets
balance_sheet
Value: $1.00B
Peer Avg: $1.72B
#304 of 304 Bottom 0.3% in 1B-3B tier
295
Indirect Auto Concentration (%)
balance_sheet
Value: 52.15%
Peer Avg: 18.32%
#295 of 304 Bottom 3.3% in 1B-3B tier
294
Total Deposits
balance_sheet
Value: $863.95M
Peer Avg: $1.45B
#294 of 304 Bottom 3.6% in 1B-3B tier
289
Average Member Relationship (AMR)
engagement
Value: $19,045
Peer Avg: $29,172
#289 of 304 Bottom 5.3% in 1B-3B tier
287
Total Loans
balance_sheet
Value: $677.28M
Peer Avg: $1.23B
#287 of 304 Bottom 5.9% in 1B-3B tier
284
Loan-to-Member Ratio (LMR)
engagement
Value: $8,369
Peer Avg: $13,213
#284 of 304 Bottom 6.9% in 1B-3B tier
258
Deposit Growth Rate
growth
Value: -0.07%
Peer Avg: 5.58%
#258 of 304 Bottom 15.5% in 1B-3B tier
242
AMR Growth Rate
growth
Value: -0.76%
Peer Avg: 3.29%
#242 of 304 Bottom 20.7% in 1B-3B tier
231
Asset Growth Rate
growth
Value: 0.85%
Peer Avg: 4.83%
#231 of 304 Bottom 24.3% in 1B-3B tier