Credit unions · California · Q2 2026
Mypoint Credit Union AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $704M |
| Total loans & leases | $606M |
| Total shares & deposits | $576M |
| Members | 28,730 |
| Net worth | $60.2M |
| Net worth / assets | 8.55% |
| Loans / assets | 85.99% |
| Return on assets (annualized) | 0.30% |
| Loan growth (YoY) | 15.47% |
| Member growth (YoY) | 5.97% |
| Delinquency, all loans (60+ days) | 0.27% |
| Charter | State charter (federally insured) |
| Asset band | $250M–$1B |
| NCUA peer group | over $500M |
| Sponsor type | Community (inferred from the name) |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
MyPoint Credit Union announced in January 2026 that it uses Upstart's AI-powered lending platform to offer personal loans, with applicants who meet MyPoint's credit policies receiving offers and completing the application in a MyPoint-branded flow. The AI therefore shapes loan decisioning and origination, a business-process use rather than a general staff assistant.
- MyPoint Credit Union Selects Upstart for Personal Lending “has partnered with Upstart (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, to offer personal loans to more consumers”
- MyPoint Credit Union Selects Upstart for Personal Lending “By leveraging Upstart's AI-powered, all-digital lending platform, MyPoint can expand its reach and deliver a fast, seamless borrowing experience”
- MyPoint Credit Union Selects Upstart for Personal Lending “qualified personal loan applicants on Upstart.com who meet MyPoint Credit Union's credit policies receive tailored offers”