BlastPoint's Credit Union Scorecard
GULF SHORE
Charter #2442 · TX
GULF SHORE has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 5.64% above tier (higher cost structure)
- - Delinquency rate 0.55% above tier average
- - Member decline: -3.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,134
-3.6% YoY-0.3% QoQ
|
+518 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$27.6M
+2.1% YoY-0.0% QoQ
|
$-2.6M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$12.1M
-13.2% YoY-5.0% QoQ
|
$-3.6M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$23.7M
+3.9% YoY+0.5% QoQ
|
$-2.0M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
0.1%
-68.0% YoY-80.6% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
3.7%
-2.5% YoY-0.7% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
88.2%
+6.3% YoY+6.8% QoQ
|
+5.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate |
2.1%
-13.6% YoY+2.0% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
51.2%
-16.4% YoY-5.5% QoQ
|
-9.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$11,443
+1.0% YoY-1.1% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
14.8%
+23.4% YoY+4.4% QoQ
|
-9.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)