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
- + Relationship Depth Leader: Top 71.9% in tier
- + Organic Growth Leader: Top 93.2% in tier
- + Organic Growth Engine: Top 95.3% in tier
- + Loan-to-Member Ratio (LMR): Top 3.0% in tier
- + Average Member Relationship (AMR): Top 4.2% in tier
- + Loan-to-Share Ratio: Top 4.8% in tier
- + Total Loans: Top 6.7% in tier
- + Total Delinquency Rate (60+ days): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.7% in tier
- - Efficiency Drag: Bottom 27.4% in tier
- - Deposit Outflow: Bottom 54.4% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 9.09% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,526
+0.7% YoY+1.2% QoQ
|
-11.0K |
38,575
-4.8% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 12.7% in tier |
| Assets |
$672.1M
+3.3% YoY+4.1% QoQ
|
+$50.3M |
$621.7M
+0.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$566.5M
+9.9% YoY+5.3% QoQ
|
+$136.6M |
$429.8M
-1.8% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 7.3% in tier |
| Deposits |
$558.7M
-1.1% YoY+0.7% QoQ
|
+$20.0M |
$538.7M
+0.6% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
65% |
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| ROA |
0.4%
+182.1% YoY+287.7% QoQ
|
-0.2% |
0.7%
+42.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
3.1%
+7.3% YoY+2.7% QoQ
|
-0.3% |
3.4%
+8.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
86.6%
-6.7% YoY-8.8% QoQ
|
+9.1% |
77.5%
-4.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.3%
-15.3% YoY+18.1% QoQ
|
-0.6 |
0.8%
-1.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.7% in tier |
| Loan To Share |
101.4%
+11.1% YoY+4.6% QoQ
|
+21.5% |
79.8%
-2.3% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 5.5% in tier |
| AMR |
$40,878
+3.4% YoY+1.7% QoQ
|
+$14K |
$26,849
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 4.8% in tier |
| CD Concentration |
26.7%
-12.7% YoY+0.4% QoQ
|
+2.3% | 24.4% | 21.7% | 19.8% | 59% |
| Indirect Auto % |
4.0%
-45.8% YoY-21.9% QoQ
|
-9.7% | 13.8% | 9.2% | 7.8% | 43% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
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.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)