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
- CHARTER 64/100
- NCUSIF 12.5%
- CAMELS 3.35%
- HEALTH 0.99%
- NW $26.5M
- DELQ 2,690
- ROA #3,912/4,374
- ASSETS WEE
- MEM 10065
Call Report peers
MYCOM in the assets neighbourhood
MYCOM's $26.5M assets sit next to WEE ($26.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
MYCOM - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #10065: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
MYCOM Call Report trajectory
MYCOM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $26.5M (2025Q4) to $27.4M (2026Q1).
- Net-worth ratio shifted -0.44 pp (12.98% → 12.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for MYCOM, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($26.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MYCOM financially healthy?
Yes/no aside, the number is 64/100 (Good) - MYCOM's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,912 of 4,374; by total assets it ranks #2,952 of 4,374 nationally (same basis as /rankings/largest); and #90 of 126 within Massachusetts. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.54% net worth ratio and 3.35% delinquency rate are the key drivers.
How does MYCOM compare to other credit unions?
Five weighted metrics from NCUA filings produce MYCOM's 64/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like MYCOM are 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."
What rates does MYCOM offer compared to banks?
Credit unions like MYCOM are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MYCOM directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.