Mycom
Pittsfield, MA · Charter 10065 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$26.7MAssets
$8.6MLoans
$23.2MShares
$3.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 50% of credit unions under $1B in assets (rank 848 of 1683).
- Widest gap: nonperforming loans / loans trails 89% of credit unions under $1B in assets (rank 1493 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.06%
Rank 1,459 of 1,683
Net Interest Margin
3.70%
Rank 946 of 1,683
Efficiency Ratio
88.11%
Rank 1,309 of 1,682
Equity / Assets
12.87%
Rank 848 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.06% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,459 / 1,683 | | |
| Return on Equity | 0.46% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,459 / 1,681 | | |
| Net Interest Margin | 3.70% | 3.31% | 3.82% | 4.32% | Beats 44% | 946 / 1,683 | | |
| Efficiency Ratio | 88.11% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,309 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.32% | 0.26% | 0.65% | 1.29% | Beats 11% | 1,493 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.87% | 10.44% | 12.89% | 16.53% | Beats 50% | 848 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.87% | 10.44% | 12.89% | 16.53% | Beats 50% | 848 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 37.05% | 52.61% | 69.38% | 83.50% | 9th pctl | 1,534 / 1,683 | | |
| Loans / Assets | 32.21% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,519 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |