MYCOM
Charter #10065 · Pittsfield, MA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.08% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 1.07% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.46% sits at the 89th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 79th — a 17-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MYCOM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $27.41M | 55th pct | 54th pct |
| Members | 2,719 | 68th pct | 70th pct |
| Net worth ratio | 12.54% | 41th pct | 36th pct |
| Return on average assets | 0.08% | 21th pct | 10th pct |
| Net interest margin | 3.52% | 35th pct | 43th pct |
| Cost of funds | 1.07% | 61th pct | 79th pct |
| Loan-to-share | 35.52% | 15th pct | 31th pct |
| Delinquency 60+ days | 1.46% | 77th pct | 89th pct |
| Net charge-off ratio | 0.31% | 63th pct | 72th pct |
| Loan growth YoY | -8.57% | 11th pct | 16th pct |
| Share growth YoY | 5.57% | 78th pct | 75th pct |
| Efficiency ratio | 86.85% | 66th pct | 70th pct |
structural peer set hash: 618aa8b841f561ffe41a6d297dc65635… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.