MCCOY
Charter #9915 · ORLANDO, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 81,089 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.36% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.10% sits at the 20th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 66th — a 64-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 | MCCOY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.03B | 2th pct | 66th pct |
| Members | 81,089 | 28th pct | 75th pct |
| Net worth ratio | 10.27% | 38th pct | 41th pct |
| Return on average assets | 0.36% | 18th pct | 20th pct |
| Net interest margin | 3.10% | 36th pct | 20th pct |
| Cost of funds | 1.39% | 32th pct | 48th pct |
| Loan-to-share | 75.70% | 23th pct | 33th pct |
| Delinquency 60+ days | 0.53% | 41th pct | 54th pct |
| Net charge-off ratio | 0.67% | 63th pct | 64th pct |
| Loan growth YoY | 1.70% | 49th pct | 54th pct |
| Share growth YoY | 5.32% | 68th pct | 80th pct |
| Efficiency ratio | 77.20% | 67th pct | 44th pct |
structural peer set hash: 696f032daa0340ffddc15495b0245356… (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.