# MYPOINT
San Diego, CA · NCUA charter 68377 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mypoint-68377

Who the members are: state charter, organized 1948. 28,091 members of 5,700,000 potential (0.5% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $701.1M |
| Members | 28,091 (3.1% YoY) |
| Full-time staff | 105 |
| Net worth | $59.4M |
| Net worth ratio | 8.5% (p13 of band) |
| ROA (annualized) | 0.17% (p14 of band) |
| Total delinquency | 0.25% (p16 of band) |
| Net charge-offs (annualized) | 0.09% (p9 of band) |
| Loans / shares | 98% (p94 of band) |
| Cash / assets | 5.3% |
| Borrowings / assets | 6.42% |
| Net interest margin | 3.29% (p38 of band) |
| Operating expense / assets | 3.39% (p40 of band) |
| Vehicles % of loans | 8% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 42% |
| Third-party paper % of net worth | 57% (p39 of band) |
| Vehicle delinquency | 0.46% (p38 of band) |
| Vehicle NCO | 1.09% (p61 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 274% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 28% |
| Average share balance | $9,791 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $168.9M |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $49,222 |
| Loans granted, annualized | $166.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $168.9M outstanding purchased (284.1% of net worth), $22.2M sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 1.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, members leaving |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | members leaving |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | loans>95% of shares |  |
| 2020-03 | 2 |  | loans>95% of shares |
| 2020-06 | 3 | net worth falling, margin squeeze | delinquency rising |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | net worth falling |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 1 |  | margin squeeze, net worth falling |
| 2022-03 | 2 | 3rd-party paper>100% NW |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 1 |  | 3rd-party paper>100% NW, delinquency rising |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | assets shrinking |
| 2023-12 | 2 | assets shrinking |  |
| 2024-03 | 2 | delinquency rising | assets shrinking |
| 2024-06 | 3 | assets shrinking, 3rd-party paper>100% NW | thin capital |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 3 | thin capital, delinquency rising | assets shrinking |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 2 |  | 3rd-party paper>100% NW, net worth falling |
| 2025-09 | 3 | loans>95% of shares |  |
| 2025-12 | 4 | net worth falling, leaning on borrowings | delinquency rising |
| 2026-03 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-07 [AI-powered loans offer fast borrowing to San Diego credit union members - stocktitan.net](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPZ0dHMkVDNWxFcWFoNElkUWU5blVOa21tcE5jLU4wdW9LcFhuLVQ3amtZcTlDTWdWVzFWTDlQZkcteGRrRHB2UGd4eFhBR3QzeUJMNk42dXIwY1NpNlFMNE9SaVY1TlFfd0ZsOVl2RDctdlBYb2llTnlsR3ZjdDktWG9yQ0RoS0tpSnd5VG9lZ1lFTGZQOVhqSEtXX0JjdWYwVnpVOGF6UTI?oc=5) · stocktitan.net
- 2023-11-29 [San Diego area credit unions lean into 'good guy' image while charging millions in overdraft fees - KPBS](https://news.google.com/rss/articles/CBMirgFBVV95cUxORFd0cE9JUmtURkNueUlrNDU3eUFJT0lMbFh0ekxHcUUzVlhDOFFpd0VZbUhmWXZ6UHl2OWRjYzN6cTJ0QjN5SzBCUzVnelV2UTdBZDJlMVBaZVlhNndWOG9HT3NOVnRzQi02TVo2cG5BdUFwN3RGTGN4VUxvRUdGSklQR0otczBlOGp0amV3VmxnUlZNcy0zQTRmSjQwZXhUblVfTGVLRmtmQkl4X0E?oc=5) · KPBS
- 2019-10-02 [Point Loma Credit Union rebrands as MyPoint CU - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxNLVhlRW04ckZnbjRaemFaRGx0OWN6UmlYWVNSVUZLOC1XcjNCWVF3aWxrYnNmcHRmTHV2UU9ZekxNX1VxYmxoWGNuYVJrUjY5MkpnVGlKTE4tbGNQSi1IeWFRczBVOUpfcWlHRTFFbF9pLVc3VHVablZXY1dVRll0Vi1ocWZKcGdqa2duREtuUmJjd19PeWtfMENWMA?oc=5) · American Banker
- 2024-11-08 [Monthly Bulletin – October 2019 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTFBFZVhITk4xeGhBNkxRUG9WRGcxaUZsX3dsQVJZRWJ2bFROTXYyX1NxekZWaEpWN0U1XzRnaUpFU1FwT3hlRUY3bXBZNnZ5Ynhfd0RQY0pxel8zZnZTdzV2dmZMSGh2Z1l1RW1mcFljOFg0SS05MjRJSm90WWlBZw?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2024-08-13 [Eagle Community Credit Union welcomes Michael Kim as new President/CEO - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOGlYb3MydG40aV8yd1IzUl9sZlZocl8wMHRPYjh1MXoweDdQYVQ3VV9GX0JxNVZsenlKVkIwZ3c5NWJxNUdsYTJOMldsR01VamJnTGNLM2UxQ294VjBVd2ZXU0gzNFhrTGFTUUY3eEpmYnN4QmJDNjFoVzhMc2p5empLOEd6YXZENFFEVEZPSi1OSVIzSDJvcEhLYW9kQlp6dE5fRWhIQ3J4OFJudkhWeA?oc=5) · CUInsight
- 2023-12-01 [San Diego County credit union executives see big pay raises while customers pay millions in overdraft fees - KPBS](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPUXp3d2c3UzR0OVplZlo2c1l4N1JpclMweTEzUFpJZ2hYMFNjamF3NUxXOUtETHktYUZOcjBTbzNKR0hLNFVpTE9CZ0JKeUdrQmx4OUM4bEI1QmtoajZqZGpPMk0tbTQwNVdpOUVsWWJ3NHktSk53U2lwZVNCd210aG1NTnhmX3dXRmNpcEUzVUdhcmNYdnJNRUhKV0J2SHJXV3g2TU4zNjRkQ0Z4ZEhLQmpzNG1xSXR6Q0U2eWFQRFZTb202R3I4b25SZjFuaDZQV0dvUUV6NTJPNThNaVo4YlcxWW4wdw?oc=5) · KPBS
- 2023-06-28 [Business roundup: The Plaza Rancho Bernardo gets three new businesses - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQZUI1amtFVElGMjJqUndreml0bElObGFyRFJnclBud3ZKc0xFNk5mVmxiZmlKWER1UWdocTFvelo4ajlUT0NfSnpCSHFjaTdmQjBGQU10RzQ0SXNCYTdyaWxlV3l0Z09RbU9Kck1tZ2dudUJWZlRaUkFwb0dycktGU2RRLVRCR2h3OU40S2ZGb0hQd2gtRG1ubDh0VjRGNzl5RkRJNi1jTDVVWlowWE1hNHE5ZEN2b3lz?oc=5) · San Diego Union-Tribune
- 2020-05-21 [Support Local Ice Cream and Gelato Shops May 22 to 31, 2020 - Coronado Times Newspaper](https://news.google.com/rss/articles/CBMiowFBVV95cUxQclAxLWRrR2NKRW1HNmNHZmpGdktTZ1FHZzJsQXIxQ1dzRGJvZUxncVQ1d0o3THpDd09yU3dERVFGSFotMEpueHRVRTdjSFFzajhEbVFPbVhQMHBtTWFFNnY3VzZ2UmpFMUM4cVp4RGF5UHdaQTFIUzhjdWJlbnJwNHotNER2ZzBfQUtkYy05UnJUUVRTNlB2LTVhZXE2Y2hOMGpj?oc=5) · Coronado Times Newspaper

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68377 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/25.json (key "68377", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68377
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide