MyCom Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
Good liquidity 6.8, driven by a liquidity ratio of 49.4 percent and a “hot money” ratio of 0.0 percent. A current level of 9.9 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Consumer loans (37%), other (63%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
101 Fenn Street
Pittsfield, MA 01201
Pittsfield, MA 01201
Phone Number
(413) 442-6501
NCUA Charter Number
Website
Largest Competitors
Marlborough, MA
Chelsea, MA
Rockland, MA
Littleton, MA
Pittsfield, MA