Federal credit union · Pittsfield, Massachusetts · NCUA charter #10065
MYCOM
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $26.5M
- Total assets
- 2,690
- Members
- 12.5%
- Net-worth ratio
MYCOM scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.5M; members 2,690; net-worth ratio 12.54%; health rank #3,912 of 4,374; healthier than 10th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,912 of 4,374 health · 2025Q4MYCOM · health 64/100 · $26.5M · 2025Q4
Call Report peers
MYCOM in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MYCOM vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MYCOM sits in 60-64 with 179 others.
64 10th percentile higher than 10% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where MYCOM diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +0.29 pp (0.99% vs 0.70%).
- Largest lag: Loan-to-Share Ratio at 39.07% vs peer 59.80% (-20.73 pp).
MYCOM in Massachusetts
- In Massachusetts, health place is #116 of 126 on the same NCUA-ratio sort used nationally.
- Assets rank #90 of 126 inside Massachusetts ($26.5M reported).
- Massachusetts membership ordinal: #75 of 126.
- One place up in Massachusetts, ALDEN (#115) scores 65/100, 1 point higher; one place down, Notre Dame Community (#117) scores 61/100, 3 points lower.
MYCOM Call Report trajectory
MYCOM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $26.5M (2025Q4) to $27.4M (2026Q1).
- Net-worth ratio shifted -0.44 pp (12.98% → 12.54%).
At 12.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 64/100 score is built
MYCOM gives up 36 points in total. Delinquency Rate costs the most, 20.9 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 4.1 pts
- Return on Assets 15.0 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 9.1 pts
MYCOM health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.54% | -2.32 pp |
| Delinquency Rate | 3.35% | +2.21 pp |
| Return on Assets | 0.99% | +0.29 pp |
| Member Growth | -1.75% | - |
| Loan-to-Share Ratio | 39.07% | -20.73 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
MYCOM filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.4M | - |
| 2025Q4 | $26.5M | 2,690 |
| 2024Q4 | $26.8M | 2,738 |
| 2023Q4 | $29.4M | 2,777 |
Credit Union Details
- Charter Number
- 10065
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Pittsfield
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, MYCOM runs one office.
| Office | City |
|---|---|
| MyCom Federal Credit Union (Main Office) | Pittsfield, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for MYCOM
Similar total assets
Using this data
- MYCOM ranks #3,912 of 4,374 nationally on financial health and #116 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Beverly Municipal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Beverly Municipal
Frequently Asked Questions
Is MYCOM financially healthy?
On its 2025Q4 NCUA 5300 filing, MYCOM scores 64/100 (Good), with a 12.54% net worth ratio and 3.35% of loans delinquent. It ranks #3,912 of 4,374 nationally on health and #116 of 126 in Massachusetts.
How does MYCOM compare to other credit unions?
MYCOM scores 64/100, higher than 10% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (0.99% vs 0.70%). Its widest shortfall is loan-to-share ratio (39.07% vs 59.80%).
How can I join MYCOM?
MYCOM operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact MYCOM directly for the exact boundaries and application steps.
Is my money safe at MYCOM?
MYCOM is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. MYCOM's net worth ratio of 12.54% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.