MYPOINT
Charter #68377 · San Diego, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 28,091 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.48% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 0.17% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.44% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.25% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MYPOINT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $701.06M | 47th pct | 33th pct |
| Members | 28,091 | 12th pct | 20th pct |
| Net worth ratio | 8.48% | 11th pct | 10th pct |
| Return on average assets | 0.17% | 15th pct | 15th pct |
| Net interest margin | 3.36% | 39th pct | 52th pct |
| Cost of funds | 1.44% | 48th pct | 20th pct |
| Loan-to-share | 97.68% | 94th pct | 82th pct |
| Delinquency 60+ days | 0.25% | 16th pct | 21th pct |
| Net charge-off ratio | 0.09% | 9th pct | 13th pct |
| Loan growth YoY | 6.24% | 93th pct | 87th pct |
| Share growth YoY | 5.43% | 74th pct | 66th pct |
| Efficiency ratio | 87.19% | 83th pct | 80th pct |
structural peer set hash: 98223df03b39e2624575fe177899caa0… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.