Charter 68377 · San Diego, CA
Mypoint Credit Union
Mypoint Credit Union is a state-chartered credit union in San Diego, California, with $705 million in assets and 28,732 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.55%, above the 7% that NCUA's rules treat as well capitalized.
Also does business as PLCU.
- Total assets
- $705 million
- +9.9% in a year
- Members
- 28,732
- +6.0% in a year
- Net worth ratio
- 8.55%
- Peer median 10.79%
- Loans 60+ days late
- 0.27%
- Peer median 0.67%
- Loans outstanding
- $606 million
- +15.5% in a year
- Shares and deposits
- $576 million
- +3.4% in a year
- Branches
- 7
- 111 employees
- Opened
- 1948
- California charter
How Mypoint Credit Union compares
NCUA groups credit unions by size; Mypoint Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 8.55% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.27%, is lower than the group median of 0.67%. Loans grew 15.5% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 82 of 239 credit unions headquartered in California. See all California credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $705 million | 28,732 | $606 million | 8.55% | 0.27% |
| Q1 2026 | $701 million | 28,091 | $572 million | 8.48% | 0.25% |
| Q4 2025 | $672 million | 27,526 | $566 million | 8.88% | 0.26% |
| Q3 2025 | $646 million | 27,200 | $538 million | 8.92% | 0.22% |
| Q2 2025 | $641 million | 27,114 | $525 million | 8.98% | 0.37% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 6.0 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for Mypoint Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Kearny Mesa Main Office (main office)
9420 Farnham St, San Diego, CA 92123 - Carlsbad Branch
2610 El Camino Real Unit A, Carlsbad, CA 92008 - El Cajon Branch
780 Jamacha Rd, El Cajon, CA 92019 - National City Branch
3003 Highland Ave Ste 102, National City, CA 91950 - Rancho Bernardo
16763 Bernardo Center Dr, San Diego, CA 92128 - Sports Arena Branch
3777 Sports Arena Blvd, San Diego, CA 92110 - North Park
3773 30Th St, San Diego, CA 92104
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology