Mypoint Credit Union
San Diego, CA·Charter 68377·cu:68377·Credit union RBC / net worth
- #82 of 239Total assets in California
- 28.7Kmembers
- Top 6%Loan growth in the U.S.
- Top 9%Member growth in the U.S.
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Mypoint Credit Union
4 of 24 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Borrowed funding rising while the peer median holds steadyWorth a look: Funding 2nd quarter8.4%peers 0.0%+8.4 pp
Mypoint Credit Union's borrowings as a share of assets rose 5.6 percentage points over the past year to 8.4%. Among 563 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 8.4% | 0.0% | +8.4 pp |
| 12-month change | ||
| +5.6 pp | 0.0 pp | +5.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Mypoint Credit Union itself is left out of every peer median and percentile. How signals work
Auto lending shrinking faster than peersNotable: Lending 2nd quarter-30.2%peers -1.2%-29.0 pp
Mypoint Credit Union's auto loans declined 30.2% over the past year to $42.6 million. The median among 563 similar credit unions was -1.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Auto loans, 12-month growth | ||
| -30.2% | -1.2% | -29.0 pp |
| Auto loans | ||
| $42.6 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Mypoint Credit Union itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency 2nd quarter80.2%peers 75.9%+4.3 pp
Mypoint Credit Union's efficiency ratio fell 11.9 percentage points over the past year to 80.2%. Among 561 similar credit unions, the median fell 0.6 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 80.2% | 75.9% | +4.3 pp |
| 12-month change | ||
| -11.9 pp | -0.6 pp | -11.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Mypoint Credit Union itself is left out of every peer median and percentile. How signals work
1 more observation
- Loans growing faster than peersLending
Key facts
- Mypoint Credit Union is a state-chartered credit union headquartered in San Diego, California. It reported $705 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $576 million, up 3.4% from a year earlier, and loans totaled $606 million, up 15.5%.
- Its net interest margin on average assets was 3.42% and its annualized return on assets was 0.44% for the quarter.
- Its cost of all shares and deposits was 1.34%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 28,732 members, up 6.0% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Mypoint Credit Union's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Mypoint Credit Union · Credit union
- NCUA charter
- 68377
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Mypoint Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $763.83K | |
| $8.4M | |
| $2.41M | |
| $5.99M | |
| $1.08M | |
| $5.67M | |
| $637.45K | |
| $637.45K | |
| 0.44% | |
| 3.42% | |
| 80.19% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.