BlastPoint's Credit Union Scorecard
COASTLINE
Charter #1115 · FL
COASTLINE has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 96.3% in tier
- + Net Interest Margin 0.39% above tier average
- + First Mortgage Concentration (%): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.8% in tier
- - Indirect Auto Dependency: Bottom 76.0% in tier
- - Credit Quality Pressure: Bottom 86.4% in tier
- - Credit Risk Growth: Bottom 98.0% in tier
- - ROA 0.32% below tier average
- - Efficiency ratio 10.51% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,603
+1.3% YoY+0.4% QoQ
|
-4.8K |
15,437
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$131.0M
-0.3% YoY+1.0% QoQ
|
$-100.8M |
$231.9M
+1.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$87.1M
+0.9% YoY-0.5% QoQ
|
$-60.3M |
$147.3M
-0.1% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$120.0M
+2.9% YoY+2.0% QoQ
|
$-80.8M |
$200.8M
+0.8% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.4%
-11.5% YoY+10.7% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
4.0%
+6.2% YoY+1.4% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
87.5%
+2.5% YoY+0.8% QoQ
|
+10.5% |
77.0%
-3.1% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.4%
+13.0% YoY-14.5% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
72.5%
-2.0% YoY-2.4% QoQ
|
+0.3% |
72.2%
-1.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$19,531
+0.8% YoY+0.5% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
12.9%
+17.8% YoY+5.9% QoQ
|
-11.5% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
33.9%
-5.9% YoY-0.9% QoQ
|
+20.1% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)