Preheat the oven to 400 degrees Fahrenheit.
In a food processor or blender, combine the banana, pumpkin, cottage cheese or Greek yogurt, oats, eggs, honey, cinnamon, and baking powder. Blend until smooth.
Stir in the chocolate chips.
Once the chocolate chips are stirred in, use muffin liners or grease the muffin tin and add about ¼ cup of batter to each mold.
Bake for 15-20 minutes or until a toothpick inserted into the center comes out clean.
Let the muffins cool a bit before serving and enjoy!