Mypoint
San Diego, CA · Charter 68377 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 7 branches
Q2 2026
$704.5MAssets
$605.8MLoans
$576.3MShares
$60.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 58% of credit unions under $1B in assets in CA (rank 27 of 62).
- Widest gap: equity / assets trails 79% of credit unions under $1B in assets in CA (rank 50 of 63).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.30%
Rank 44 of 63
Net Interest Margin
3.34%
Rank 42 of 63
Efficiency Ratio
83.62%
Rank 40 of 63
Equity / Assets
8.55%
Rank 50 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.17% | 0.56% | 1.17% | Beats 30% | 44 / 63 | | |
| Return on Equity | 3.53% | 1.81% | 4.79% | 8.64% | Beats 37% | 40 / 63 | | |
| Net Interest Margin | 3.34% | 3.18% | 3.49% | 3.98% | Beats 33% | 42 / 63 | | |
| Efficiency Ratio | 83.62% | 70.58% | 81.25% | 89.21% | Beats 38% | 40 / 63 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.17% | 0.42% | 0.85% | Beats 58% | 27 / 62 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.55% | 8.61% | 10.56% | 14.01% | Beats 21% | 50 / 63 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.55% | 8.61% | 10.56% | 14.01% | Beats 21% | 50 / 63 | | |
| Liquidity & Funding |
| Loans / Deposits | 105.11% | 53.46% | 72.75% | 85.33% | 97th pctl | 2 / 62 | | |
| Loans / Assets | 85.99% | 46.35% | 58.08% | 72.17% | 97th pctl | 2 / 63 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |