BlastPoint's Credit Union Scorecard

MYPOINT

Charter #68377 · CA

Community 500M-750M

169 CUs in 500M-750M nationally 10 in CA

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MYPOINT has 6 strengths but faces 9 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 37.5% in tier
+ Credit Quality Leader: Top 45.1% in tier
+ Wallet Share Momentum: Top 73.3% in tier
+ Loan-to-Member Ratio (LMR): Top 4.7% in tier
+ Average Member Relationship (AMR): Top 5.9% in tier
+ Total Delinquency Rate (60+ days): Top 8.3% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.3% in tier
- Liquidity Strain: Bottom 7.9% in tier
- Credit Risk Growth: Bottom 9.8% in tier
- Credit Quality Pressure: Bottom 17.6% in tier
- Membership Headwinds: Bottom 28.9% in tier
- Stagnation Risk: Bottom 29.2% in tier
- ROA 0.55% below tier average
- Efficiency ratio 16.83% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 2.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	27,200 -1.0% YoY+0.3% QoQ	-12.6K	39,752 -2.7% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	Bottom 11.2% in tier
Assets	$645.9M +3.0% YoY+0.8% QoQ	+$23.5M	$622.4M +0.3% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	59%
Loans	$538.0M +10.3% YoY+2.6% QoQ	+$102.1M	$435.9M -0.4% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	83%
Deposits	$555.1M +0.6% YoY-0.4% QoQ	+$17.1M	$538.0M +1.3% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	60%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -55.4% YoY+30.3% QoQ	-0.5%	0.7% +33.9% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	Bottom 10.1% in tier
NIM	3.1% +1.1% YoY+2.7% QoQ	-0.4%	3.4% +8.6% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	25%
Efficiency Ratio	94.9% +4.2% YoY-1.9% QoQ	+16.8%	78.1% -3.4% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	Top 3.0% in tier
Delinquency Rate	0.2% +160.3% YoY-40.8% QoQ	-0.6	0.8% -4.9% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 8.3% in tier
Loan To Share	96.9% +9.7% YoY+3.0% QoQ	+15.9%	81.0% -1.8% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Top 12.4% in tier
AMR	$40,187 +6.2% YoY+0.7% QoQ	+$14K	$26,482 +2.6% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	Top 6.5% in tier
CD Concentration	26.6% -10.6% YoY-1.4% QoQ	+2.2%	24.4% +4.2% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	58%
Indirect Auto %	5.2% -23.1% YoY-13.5% QoQ	-8.8%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	45%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#97 of 257 • Top 37.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.17%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $6.8K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Credit Quality Leader

growth

#154 of 340 • Top 45.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.22%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#353 of 481 • Top 73.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.17%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (6)

Efficiency Drag

risk

#24 of 521 • Bottom 1.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 94.93%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -0.96%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk

#62 of 258 • Bottom 7.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 96.93%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 10.33%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Credit Risk Growth

risk

#147 of 446 • Bottom 9.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.33%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk

#437 of 736 • Bottom 17.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Membership Headwinds

decline

#476 of 550 • Bottom 28.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.96%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk

#481 of 550 • Bottom 29.2% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.96%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 10.33%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.22%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (7 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $19,780

Peer Avg: -

#9 of 169 Top 4.7% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $40,187

Peer Avg: -

#11 of 169 Top 5.9% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Avg: -

#15 of 169 Top 8.3% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.93%

Peer Avg: -

#21 of 169 Top 11.8% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.15%

Peer Avg: -

#25 of 169 Top 14.2% in 500M-750M tier

Loan Growth Rate

growth

Value: 10.33%

Peer Avg: -

#28 of 169 Top 16.0% in 500M-750M tier

Total Loans

balance_sheet

Value: $538.02M

Peer Avg: -

#29 of 169 Top 16.6% in 500M-750M tier

Top Weaknesses (6 metrics)

166

Members Per Employee (MPE)

engagement

Value: 212.500

Peer Avg: -

#166 of 169 Bottom 2.4% in 500M-750M tier

165

Efficiency Ratio

profitability

Value: 94.93%

Peer Avg: -

#165 of 169 Bottom 3.0% in 500M-750M tier

152

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Avg: -

#152 of 169 Bottom 10.7% in 500M-750M tier

150

Total Members

engagement

Value: 27,200

Peer Avg: -

#150 of 169 Bottom 11.8% in 500M-750M tier

137

Net Worth Ratio

risk

Value: 8.92%

Peer Avg: -

#137 of 169 Bottom 19.5% in 500M-750M tier

133

Deposit Growth Rate

growth

Value: 0.56%

Peer Avg: -

#133 of 169 Bottom 21.9% in 500M-750M tier