Credit Union Safety Analysis
Is Mypoint CU SD Safe? San Diego, California
Based on its Q2 2026 NCUA 5300 call report, Mypoint CU SD has a net worth ratio of 8.55%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.27%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Mypoint CU SD's net worth ratio is 8.55%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.55%
- Delinquency ratio (60+ days) (Q2 2026): 0.27%
- Return on assets (Q2 2026): 0.43%
- Loan-to-share ratio (Q2 2026): 105.11%
Mypoint CU SD (NCUA charter 68377, established 1948) reported $704.5M in assets and 28,732 members for Q2 2026 from San Diego, California. It ranks 82 of 238 credit unions in California by total assets. Total assets grew 9.9% from $641.0M on June 30, 2025. It has 1,618 more members than on June 30, 2025 (+6.0%). Its net worth ratio was down 0.43 percentage points from 8.98% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $326.9M of $605.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.27% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 8.48% for Q1 2026; 8.98% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.25% for Q1 2026; 0.37% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.17% for Q1 2026; 0.14% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 97.68% for Q1 2026; 94.12% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $326.9M
- Commercial loans: $172.0M
- Other unsecured loans and lines of credit: $51.9M
- Used vehicle loans: $31.5M
- New vehicle loans: $11.1M
- Unsecured credit card loans: $10.7M
- Other secured non-real estate loans and lines of credit: $1.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $704.5M | 8.55% | 0.27% | 0.43% | 105.11% |
| March 31, 2026 | $701.1M | 8.48% | 0.25% | 0.17% | 97.68% |
| December 31, 2025 | $672.1M | 8.88% | 0.26% | 1.39% | 101.38% |
| September 30, 2025 | $645.9M | 8.92% | 0.22% | 0.16% | 96.93% |
| June 30, 2025 | $641.0M | 8.98% | 0.37% | 0.14% | 94.12% |
| March 31, 2025 | $652.7M | 8.90% | 0.21% | 0.03% | 89.57% |
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Free to use. It shows Mypoint Cu SD’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68377) · FFIEC NIC profile (RSSD 568274)
Frequently asked questions
Is Mypoint CU SD well capitalized?
On its Q2 2026 NCUA 5300 call report, Mypoint CU SD's net worth ratio is 8.55%, above the 7% NCUA threshold for well capitalized.
Is Mypoint CU SD FDIC insured?
No. The FDIC insures banks, not credit unions. Mypoint CU SD is a federally insured credit union (NCUA charter 68377): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mypoint CU SD's key safety ratios?
For Q2 2026, Mypoint CU SD reports net worth 8.55%, delinquency 0.27%, ROA 0.43%, loan-to-share 105.11%.
What happens to my money if Mypoint CU SD fails?
For Q2 2026, Mypoint CU SD held $576.3M in shares and deposits for 28,732 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.