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
- CHARTER 81/100
- NCUSIF 8.5%
- CAMELS 0.26%
- HEALTH 0.15%
- NW $672.1M
- DELQ 27,526
- ROA #2,660/4,374
- ASSETS Alliance Catholic
- MEM 68377
Call Report peers
MYPOINT in the assets neighbourhood
MYPOINT's $672.1M assets sit next to Alliance Catholic ($672.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
MYPOINT - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68377, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How MYPOINT's 5300 filing moved
MYPOINT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $672.1M (2025Q4) to $701.1M (2026Q1).
- Net-worth ratio shifted -0.40 pp (8.88% → 8.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
MYPOINT's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($672.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MYPOINT financially healthy?
A 8.48% net worth ratio and a 0.26% delinquency rate feed into MYPOINT's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,660 of 4,374; by total assets it ranks #635 of 4,374 nationally (same basis as /rankings/largest); and #82 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MYPOINT compare to other credit unions?
81/100 is MYPOINT's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like MYPOINT are 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."
What rates does MYPOINT offer compared to banks?
Credit unions like MYPOINT are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MYPOINT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.