BlastPoint's Credit Union Scorecard
MYPOINT
Charter #68377 · CA
MYPOINT has 8 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 8.0% in tier
- + Organic Growth Engine: Top 8.0% in tier
- + Relationship Depth Leader: Top 54.5% in tier
- + Strong member growth: 6.0% YoY
- + Loan-to-Share Ratio: Top 2.4% in tier
- + Total Loans: Top 3.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.0% in tier
- + Average Member Relationship (AMR): Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.9% in tier
- - Efficiency Drag: Bottom 27.2% in tier
- - ROA 0.51% below tier average
- - Efficiency ratio 7.06% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in California.
- Shares and deposits +3.4% year over year ($576M in shares and deposits).
- Membership: 28,732 members, +6.0% vs a year ago.
- Delinquency rate 0.27%.
- Return on assets 0.30%.
- Efficiency ratio 83.62% vs a 76.56% peer average.
- Loan-to-share ratio 105.11% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,732
+6.0% YoY+2.3% QoQ
|
-9.2K |
37,897
-5.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
16% |
| Assets |
$704.5M
+9.9% YoY+0.5% QoQ
|
+$82.1M |
$622.4M
+0.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$605.8M
+15.5% YoY+6.0% QoQ
|
+$177.3M |
$428.5M
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 3.6% in tier |
| Deposits |
$576.3M
+3.4% YoY-1.5% QoQ
|
+$36.6M |
$539.8M
+0.9% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
70% |
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| ROA |
0.3%
+248.8% YoY+77.6% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
3.3%
+12.5% YoY+1.6% QoQ
|
-0.2% |
3.5%
+5.0% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
83.6%
-13.6% YoY-4.1% QoQ
|
+7.1% |
76.6%
-3.6% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate |
0.3%
-27.7% YoY+5.5% QoQ
|
-0.5 |
0.8%
+3.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 13.3% in tier |
| Loan To Share |
105.1%
+11.7% YoY+7.6% QoQ
|
+25.8% |
79.3%
-1.4% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Top 3.0% in tier |
| AMR |
$41,143
+3.1% YoY-0.1% QoQ
|
+$14K |
$27,294
+4.1% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 5.5% in tier |
| CD Concentration |
29.8%
+10.3% YoY+5.1% QoQ
|
+5.2% | 24.6% | 22.2% | 20.0% | 70% |
| Indirect Auto % |
2.8%
-52.6% YoY-16.9% QoQ
|
-10.8% | 13.6% | 9.2% | 7.7% | 41% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)