PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mypoint

San Diego, CA · Charter 68377

NCUA · 7 branches

Q2 2026

$704.5MAssets
$605.8MLoans
$576.3MShares
$60.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.30%, up 21 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.27% of loans (-10 bps YoY).
  • Capital: net worth / assets of 8.55%, down 40 bps from a year ago.
  • Funding: loans stand at 105.11% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.30%+21 bps YoY

Net Interest Margin (quarter, annualized)

3.34%+34 bps YoY

Efficiency Ratio (quarter, annualized)

83.62%-1,312 bps YoY

Net Worth / Assets

8.55%-40 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.11%0.43%0.17%0.30%+21 bps
Return on Equity0.98%1.26%4.83%2.01%3.53%+255 bps
Net Interest Margin3.00%3.04%3.08%3.29%3.34%+34 bps
Efficiency Ratio96.74%94.93%86.60%87.19%83.62%-1,312 bps
Growth
Asset Growth (YoY)0.77%3.04%3.25%7.41%9.90%+913 bps
Loan Growth (YoY)8.12%10.33%9.89%11.05%15.47%+736 bps
Share Growth (YoY)1.23%0.56%-1.10%1.82%3.41%+217 bps
Asset Quality
Delinquent Loans / Loans0.37%0.22%0.26%0.25%0.27%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.95%8.92%8.88%8.48%8.55%-40 bps
Net Worth / Assets8.95%8.92%8.88%8.48%8.55%-40 bps
Liquidity & Funding
Loans / Shares94.12%96.93%101.38%97.68%105.11%+1,098 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps