TellerScore

Headquartered in San Diego, California, Mypoint Credit Union is a federally insured state-chartered credit union with $704.5M in total assets and $576.3M in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1948.

Mypoint Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 190th. Problem-loan coverage contributes the most (95/100, 2.7%); earnings contributes the least (32/100, 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.55%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity55/100
Loans ÷ shares: 105.1% · 8.3% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.70%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 58).

TellerScore
586163Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202463
Q3 202463
Q4 202459
Q1 202559
Q2 202558
Q3 202559
Q4 202560
Q1 202658
Q2 202658
Net worth ratio
7.00%8.09%9.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.00%
Q3 20249.18%
Q4 20248.87%
Q1 20258.90%
Q2 20258.98%
Q3 20258.92%
Q4 20258.88%
Q1 20268.48%
Q2 20268.55%
Delinquent loans (60+ days)
0.08%0.23%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.08%
Q4 20240.30%
Q1 20250.21%
Q2 20250.37%
Q3 20250.22%
Q4 20250.26%
Q1 20260.25%
Q2 20260.27%
Return on assets
0.03%0.23%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.29%
Q3 20240.25%
Q4 20240.15%
Q1 20250.03%
Q2 20250.09%
Q3 20250.11%
Q4 20250.43%
Q1 20260.17%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$704.5M8.55%0.27%0.30%105.1%
Q1 202658$701.1M8.48%0.25%0.17%97.7%
Q4 202560$672.1M8.88%0.26%0.43%101.4%
Q3 202559$645.9M8.92%0.22%0.11%96.9%
Q2 202558$641.0M8.98%0.37%0.09%94.1%
Q1 202559$652.7M8.90%0.21%0.03%89.6%
Q4 202459$650.9M8.87%0.30%0.15%91.2%
Q3 202463$626.8M9.18%0.08%0.25%88.3%
Q2 202463$636.1M9.00%0.11%0.29%88.1%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.55%
8th
Problem loans0.27%
84th
Net charge-offs0.11%
84th
Return on assets0.30%
17th
Loans to deposits105.1%
2nd
Uninsured deposits8.3%
26th
Loan-loss reserves0.00%
50th
Texas ratio2.7%
66th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Uncle Credit UnionCredit union Livermore, CA54 out of 100, Below average$716.1M8.3%0.60%vs
Usc Credit UnionCredit union Los Angeles, CA61 out of 100, Moderate$741.1M10.3%0.73%vs
The First Financial Federal Credit UnionCredit union Pasadena, CA56 out of 100, Moderate$748.3M7.0%0.66%vs
Premier One Credit UnionCredit union San Jose, CA65 out of 100, Moderate$655.7M9.7%0.25%vs
Foothill Federal Credit UnionCredit union Arcadia, CA73 out of 100, Strong$778.6M12.3%0.22%vs
Commonwealth Central Credit UnionCredit union San Jose, CA80 out of 100, Strong$624.9M14.2%0.41%vs

Deposit insurance

Is my money safe at Mypoint Credit Union?

Yes. Mypoint Credit Union is a federally insured credit union (NCUA charter #68377). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.3% of shares and deposits ($47.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.55%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Mypoint Credit Union lists 7 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mypoint Credit Union reported 563 home-loan applications under HMDA (LEI 549300BYGLNAWS20VR43): 349 originated ($110,765,000 total), 175 denied, and 37 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Mypoint Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68377
RSSD ID
568274
Primary regulator
State + NCUA
Established
1948
Headquarters
9420 Farnham St, San Diego, CA 92123
Employees
111

Quick answers

Mypoint Credit Union: common questions

Is Mypoint Credit Union NCUA insured?

Yes. Mypoint Credit Union is a federally insured credit union (NCUA charter #68377). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Mypoint Credit Union's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Mypoint Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near San Diego

InstitutionScoreAssetsCapitalProblem loansCompare
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
San Diego County Credit UnionCredit union San Diego, CA86 out of 100, Very strong$9.5B19.8%0.20%vs
California Coast Credit UnionCredit union San Diego, CA85 out of 100, Very strong$3.5B13.9%0.26%vs
Home Bank of CaliforniaBank San Diego, CA84 out of 100, Strong$255.4M12.3%0.00%vs
Sag-Aftra Federal Credit UnionCredit union Burbank, CA81 out of 100, Strong$335.6M13.1%0.63%vs
Mission Federal Credit UnionCredit union San Diego, CA81 out of 100, Strong$7.3B12.3%0.15%vs