# MYCOM
Pittsfield, MA · NCUA charter 10065 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mycom-10065

Who the members are: federal charter, community charter, organized 1955. 2,719 members of 35,000 potential (7.8% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $27.4M |
| Members | 2,719 (-1.1% YoY) |
| Full-time staff | 6 |
| Net worth | $3.4M |
| Net worth ratio | 12.5% (p35 of band) |
| ROA (annualized) | 0.08% (p27 of band) |
| Total delinquency | 1.46% (p71 of band) |
| Net charge-offs (annualized) | 0.32% (p69 of band) |
| Loans / shares | 36% (p19 of band) |
| Cash / assets | 66.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.46% (p33 of band) |
| Operating expense / assets | 3.54% (p47 of band) |
| Vehicles % of loans | 81% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.45% (p49 of band) |
| Vehicle NCO | 1.17% (p88 of band) |
| Repossessed % of vehicle book | 0.46% (p97 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 26% |
| Average share balance | $5,235 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $7,603 |
| Loans granted, annualized | $2.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **repo signal** (`aq_repo`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 5 | net worth falling, losing money, delinquency rising, members leaving |  |
| 2017-06 | 3 |  | net worth falling, losing money |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 1 |  | members leaving |
| 2018-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 4 | leaning on borrowings |  |
| 2018-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2019-03 | 2 | delinquency rising | leaning on borrowings |
| 2019-06 | 3 | assets shrinking, members leaving | delinquency rising |
| 2019-09 | 2 | delinquency 2x band | assets shrinking, members leaving |
| 2019-12 | 4 | net worth falling, delinquency rising |  |
| 2020-03 | 5 | margin squeeze |  |
| 2020-06 | 5 |  |  |
| 2020-09 | 4 |  | delinquency rising |
| 2020-12 | 5 | loan book shrinking |  |
| 2021-03 | 4 |  | loan book shrinking |
| 2021-06 | 5 | charge-offs p90 |  |
| 2021-09 | 3 |  | net worth falling, charge-offs p90 |
| 2021-12 | 4 | charge-offs p90 |  |
| 2022-03 | 3 | net worth falling | margin squeeze, charge-offs p90 |
| 2022-06 | 4 | delinquency rising |  |
| 2022-09 | 5 | margin squeeze |  |
| 2022-12 | 3 |  | net worth falling, margin squeeze |
| 2023-03 | 3 | charge-offs p90 | delinquency rising |
| 2023-06 | 2 |  | charge-offs p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 3 | assets shrinking |  |
| 2024-12 | 4 | loan book shrinking |  |
| 2025-03 | 6 | net worth falling, losing money, charge-offs p90 | delinquency 2x band |
| 2025-06 | 4 |  | net worth falling, losing money |
| 2025-09 | 5 | delinquency 2x band |  |
| 2025-12 | 4 |  | assets shrinking |
| 2026-03 | 5 | net worth falling, repo signal | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-22 [MyCom Federal Credit Union Serving Customers for 70 Years - iBerkshires.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNSk5uZl9mWWNvVnB2dzYyaFhMekZuQzh1LWdFOEdJaGFGRUhZbGVWMzF3UVFkVnFCRDFFaWs3eldWd3pyQkYyMG5Ua3I5dnhhOUpTOFk0UTQwVTdfdmg1b2dUMGFvc0c0eVZyc0VDb1BqeTIzVkhnZnluLWtoUVJsazJsRVNZcC0yQ2d4RndmWVg5M3ZyWmR1aU93dkg0bGRZT3NiZg?oc=5) · iBerkshires.com
- 2026-06-25 [Create an Ad: MyCom Federal Credit Union - iBerkshires.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQZzdUSGpDaHRCWmJtdEhadHFqUW5YMVVVYkx3VFlTd0tVU1NXNEFvNWFrNlVhVV9xeDVoVzh1cmpSb05GN2VmcFV1TnVUdWw3VGQ0d216dXJzUDhVRllHamU4RWFQc1R3UlRTMGhHNTF3amVkRHlTWWFlbWt4eFg3SjZ1YzN0QmZjak1heg?oc=5) · iBerkshires.com
- 2022-12-10 [Great Barrington: Town names new finance coordinator - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNM0Q3TDZYdjdJLV81WUNpTGpxQjZoY3gyN0UtbVJsV0IyQ0psd2pjVFdidFkyMDdXLW9OYW1jcVJUVW9xNUNaTVFZbVR6aUlKWnRFdkN2ckpNdjctRlhQcmJNbm5LLVBsMmpHcWVhSXlLaUtQNmoyRm55YXRzVUdWT1NrT2dHQkt6eG5MRDE4b3NSZGM3YW9HQWR6dUI5WWJOLXlCTFFneF8taE16aWU3RmxCZEswc2ZyMHVlQXJjUERTaEhfTDFhNjBCNVE2SGVueEhzUExJT3JDM202cnFVMmxCZWNTeFZsenF3Sm5nYw?oc=5) · The Berkshire Eagle
- 2022-12-06 [Allison Crespo named Great Barrington Finance Coordinator - The Berkshire Edge](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZ1BLbUN2R0xVUzdLV1k3WjlYczJTUnROTGFNVVludy1HSS1GOFVPazBwbGVVUUEySC1qOWZDR0RmYkZkUWRSVGRDN2hRWXJXS2FCUzNJUjBPTmo0cGVpcU41Wm81NFd4UmN5RFltc2hsTTc4MjRnbkFWeXFEaVRUQ2xfbXBlQU9zU19zVkd3eGI?oc=5) · The Berkshire Edge
- 2025-08-30 [Create an Ad: MyCom Federal Credit Union - iBerkshires.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOZXpoVlJ3TGJiUm5wbGptbHJTS2oyOWdKdTlxT2xoaHo2XzluTjVHblVuYnBCWE9mZlpua3RaUHJ3QXhUYXlnaHBPajl0aEl4V0c3aGs5UjVNTFJtTjdXaVlLUms5cWlZSWZQUHZyeWlWYS1SYXFXVXN1SThLU3BiR1daUGRLXzRuTUdSZA?oc=5) · iBerkshires.com
- 2014-05-19 [John Skumin Obituary (2014) - Pittsfield, MA - The Berkshire Eagle - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPNUV3bHZ0MzloSlViRjZCYzBVbXFXUWpPeGtqU09yS2pRMW1PVHdKZTFkZEl4SUN5aVZEYnNZbGNielJVQ3ViSmtndjFOcy1OanZieU5kTW05c1dGbWxaYnFab0Z0eFZOM0IwbktuUlhCMXB0NTVfSDZ5MzcyMmc1ZXllYUxMX0FJYUtYNw?oc=5) · legacy.com
- 2018-03-31 [Here's the scoop: Operation Copsicle might be heading to a neighborhood near you - The Berkshire Eagle](https://news.google.com/rss/articles/CBMi_AFBVV95cUxObkJJeEtpMUx2LUkzQWxYeUI3b2JxNFZoUGxFdkN4UzRsblRoUUx3RzhFdlI4TnlPZEJFQkc5NlRuOWYwVVRqaS1YRGlVQkNwZWc3TzJTVTJCVlIwZ3BoTjhwRDVEWkltUnREZ2R0bThwcHRfVnFFQzVabWgzRlo4N1hLQmdQR3otZFA3LTNnOEV2RkFhWjU5akg5VVlJMVdCa1VwNTBfRmNSTXNqeUpweWJUSklKZVpCX3BON1N0MVo4cTAzMXgyZV9wOThDa19oTURCaURFcU5uaFN5RXB0RkFTQ0VUNTJWOUd3TFJlSFFiWWI0OG04bzZtbms?oc=5) · The Berkshire Eagle
- 2026-02-26 [Obituary: Claire E. Kristensen, 78 - iBerkshires.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE53TGw2ajhXV3FWTVlONkZELU5lMU8zcVNoV0xxWjRuMFE1ZkhNT3ctWlFFM3FJLUpBVE9kQy1Lc0c1ZFBWWTJzeEJKLXlvSElBNHN2SWNxZTNxVEZWYnh4QU9EZ1VaYUVfXzl2MlZSN1AxU1dwSE5mUGtB?oc=5) · iBerkshires.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10065 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/17.json (key "10065", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=10065
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide