| Metric | Mypoint Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.8% | +2.7 pts |
| Share growth (YoY) | +1.8% | +4.3% | -2.5 pts |
| Loan growth (YoY) | +11.1% | +4.3% | +6.7 pts |
| ROA | 0.17% | 0.62% | -0.4 pts |
| ROE | 2.0% | 5.9% | -3.9 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $701.1M | $585.2M | $571.6M | $59.4M | $298K | 0.17% | 3.29% | 0.25% | 28,091 |
| Q4 2025 | $672.1M | $558.7M | $566.5M | $59.7M | $2.9M | 0.43% | 3.08% | 0.26% | 27,526 |
| Q3 2025 | $645.9M | $555.1M | $538.0M | $57.6M | $545K | 0.11% | 3.04% | 0.22% | 27,200 |
| Q2 2025 | $641.0M | $557.4M | $524.6M | $57.4M | $280K | 0.09% | 3.00% | 0.37% | 27,114 |
| Q1 2025 | $652.7M | $574.7M | $514.8M | $57.1M | $49K | 0.03% | 2.87% | 0.21% | 27,241 |
| Q4 2024 | $650.9M | $564.9M | $515.5M | $57.1M | $991K | 0.15% | 2.87% | 0.30% | 27,340 |
| Q3 2024 | $626.8M | $552.0M | $487.6M | $57.6M | $1.2M | 0.26% | 3.04% | 0.08% | 27,465 |
| Q2 2024 | $636.1M | $550.6M | $485.2M | $57.3M | $919K | 0.29% | 3.04% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Mypoint Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.62% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 5.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.11% |
| 27,690 |
Loan mix (Q1 2026): real estate $311.5M · commercial $162.8M · consumer $95.6M · securities $62.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.2% | 78.3% | 83th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Mypoint Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Mypoint Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Mypoint Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Mypoint Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.