BlastPoint's Credit Union Scorecard
MYPOINT
Charter #68377 · CA
MYPOINT has 8 strengths but faces 6 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 20.2% in tier
- + Organic Growth Engine: Top 20.2% in tier
- + Relationship Depth Leader: Top 54.7% in tier
- + Loan-to-Member Ratio (LMR): Top 3.6% in tier
- + Loan-to-Share Ratio: Top 4.2% in tier
- + Average Member Relationship (AMR): Top 4.8% in tier
- + Total Loans: Top 5.4% in tier
- + Net Charge-Off Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.4% in tier
- - Credit Risk Growth: Bottom 14.2% in tier
- - Efficiency Drag: Bottom 21.2% in tier
- - Credit Quality Pressure: Bottom 45.3% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 8.80% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,091
+3.1% YoY+2.1% QoQ
|
-10.0K |
38,079
-4.8% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$701.1M
+7.4% YoY+4.3% QoQ
|
+$81.4M |
$619.7M
-0.2% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
80% |
| Loans |
$571.6M
+11.0% YoY+0.9% QoQ
|
+$152.3M |
$419.3M
-1.4% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 6.0% in tier |
| Deposits |
$585.2M
+1.8% YoY+4.7% QoQ
|
+$45.7M |
$539.5M
-0.1% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
75% |
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| ROA |
0.2%
-61.1% QoQ
|
-0.5% |
0.7%
+36.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
16% |
| NIM |
3.3%
+14.7% YoY+5.0% QoQ
|
-0.2% |
3.5%
+4.5% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
35% |
| Efficiency Ratio |
87.2%
-14.2% YoY+0.7% QoQ
|
+8.8% |
78.4%
-3.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
81% |
| Delinquency Rate |
0.3%
+21.5% YoY-1.8% QoQ
|
-0.5 |
0.7%
-0.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
16% |
| Loan To Share |
97.7%
+9.1% YoY-3.7% QoQ
|
+20.0% |
77.7%
-1.2% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Top 4.8% in tier |
| AMR |
$41,181
+3.0% YoY+0.7% QoQ
|
+$14K |
$26,927
+3.1% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 5.4% in tier |
| CD Concentration |
28.3%
+0.2% YoY+6.1% QoQ
|
+4.0% | 24.3% | 21.6% | 19.8% | 66% |
| Indirect Auto % |
3.4%
-48.6% YoY-15.5% QoQ
|
-10.4% | 13.8% | 9.0% | 7.7% | 42% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)