State credit union · San Diego, California · NCUA charter #68377
MYPOINT
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $672.1M
- Total assets
- 27,526
- Members
- 8.5%
- Net-worth ratio
MYPOINT scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $672.1M; members 27,526; net-worth ratio 8.48%; health rank #2,660 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,660 of 4,374 health · 2025Q4MYPOINT · health 81/100 · $672.1M · 2025Q4
Call Report peers
MYPOINT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MYPOINT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MYPOINT sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where MYPOINT diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 101.38% vs peer 83.90% (+17.48 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.70 pp (8.48% vs 11.18%).
California standing for MYPOINT
- California health ordinal: #157 of 243.
- By total assets, MYPOINT is #82 of 243 in California.
- California membership ordinal: #88 of 243.
- One place up in California, Caltech Employees (#156) ties at 81/100; one place down, GAIN (#158) ties at 81/100.
How MYPOINT's 5300 filing moved
MYPOINT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $672.1M (2025Q4) to $701.1M (2026Q1).
- Net-worth ratio shifted -0.40 pp (8.88% → 8.48%).
8.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
MYPOINT gives up 19 points in total. Return on Assets costs the most, 5.3 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 26.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.7 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 10.3 pts
MYPOINT health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.48% | -2.70 pp |
| Delinquency Rate | 0.26% | -0.62 pp |
| Return on Assets | 0.15% | -0.36 pp |
| Member Growth | 0.68% | - |
| Loan-to-Share Ratio | 101.38% | +17.48 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
MYPOINT quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $701.1M | - |
| 2025Q4 | $672.1M | 27,526 |
| 2024Q4 | $650.9M | 27,340 |
| 2023Q4 | $657.7M | 27,903 |
Credit Union Details
- Charter Number
- 68377
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- San Diego
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, MYPOINT runs 7 offices in 4 different cities.
| Office | City |
|---|---|
| Kearny Mesa Main Office (Main Office) | San Diego, CA |
| Carlsbad Branch | Carlsbad, CA |
| El Cajon Branch | El Cajon, CA |
| National City Branch | National City, CA |
| Rancho Bernardo | San Diego, CA |
| Sports Arena Branch | San Diego, CA |
| North Park | San Diego, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for MYPOINT
Using this data
- MYPOINT ranks #2,660 of 4,374 nationally on financial health and #157 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Premier One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Premier One
Frequently Asked Questions
Is MYPOINT financially healthy?
On its 2025Q4 NCUA 5300 filing, MYPOINT scores 81/100 (Excellent), with a 8.48% net worth ratio and 0.26% of loans delinquent. It ranks #2,660 of 4,374 nationally on health and #157 of 243 in California.
How does MYPOINT compare to other credit unions?
MYPOINT scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (101.38% vs 83.90%). Its widest shortfall is net worth ratio (8.48% vs 11.18%).
How can I join MYPOINT?
Membership eligibility for MYPOINT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MYPOINT directly for current membership requirements and application steps.
Is my money safe at MYPOINT?
MYPOINT is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. MYPOINT's net worth ratio of 8.48% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.