MYPOINT

Charter #68377 | CA

500M-750M (169 CUs) Community (281 CUs)
10 500M-750M in CA

MYPOINT has 5 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.2% in tier
  • + Wallet Share Momentum: Top 12.8% 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
  • - Growth-at-Risk: 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
 59th in tier
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
 Top 17.2% in tier
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
 60th in tier
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
 25th in tier
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
 58th in tier
Indirect Auto % 5.2%
-23.1% YoY-13.5% QoQ
 -8.8% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 45th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#62 of 1006 • Top 2.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

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
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#353 of 1006 • Top 12.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.17%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 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
521 of 281 Community CUs have this signature | 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: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Growth-at-Risk

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: 3.64%, 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
446 of 281 Community CUs have this signature | 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
736 of 281 Community CUs have this signature | 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
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#481 of 550 • Bottom 29.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.11%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.96%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $40.2K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 26.60%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 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)

Comparing against 169 peers in tier

Top Strengths (7 metrics)

9
Loan-to-Member Ratio (LMR)
engagement
Value: $19,780
Peer Avg: $11,805
#9 of 169 Top 4.7% in 500M-750M tier
11
Average Member Relationship (AMR)
engagement
Value: $40,187
Peer Avg: $26,482
#11 of 169 Top 5.9% in 500M-750M tier
15
Total Delinquency Rate (60+ days)
risk
Value: 0.22%
Peer Avg: 0.80%
#15 of 169 Top 8.3% in 500M-750M tier
21
Loan-to-Share Ratio
balance_sheet
Value: 96.93%
Peer Avg: 81.02%
#21 of 169 Top 11.8% in 500M-750M tier
25
Net Charge-Off Rate
risk
Value: 0.15%
Peer Avg: 0.51%
#25 of 169 Top 14.2% in 500M-750M tier
28
Loan Growth Rate
growth
Value: 10.33%
Peer Avg: 4.04%
#28 of 169 Top 16.0% in 500M-750M tier
29
Total Loans
balance_sheet
Value: $538.02M
Peer Avg: $435.95M
#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: 338.010
#166 of 169 Bottom 2.4% in 500M-750M tier
165
Efficiency Ratio
profitability
Value: 94.93%
Peer Avg: 78.10%
#165 of 169 Bottom 3.0% in 500M-750M tier
152
Return on Assets (ROA)
profitability
Value: 0.11%
Peer Avg: 0.66%
#152 of 169 Bottom 10.7% in 500M-750M tier
150
Total Members
engagement
Value: 27,200
Peer Avg: 39,752
#150 of 169 Bottom 11.8% in 500M-750M tier
137
Net Worth Ratio
risk
Value: 8.92%
Peer Avg: 10.94%
#137 of 169 Bottom 19.5% in 500M-750M tier
133
Deposit Growth Rate
growth
Value: 0.56%
Peer Avg: 5.25%
#133 of 169 Bottom 21.9% in 500M-750M tier