BlastPoint's Credit Union Scorecard

GOLD COAST

Charter #967 · FL

1069 CUs in 100M-500M nationally 35 in FL

GOLD COAST has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 52.9% in tier
+ Net Interest Margin 0.07% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 2.2% in tier
+ First Mortgage Concentration (%): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 22.2% in tier
- Stagnation Risk: Bottom 55.7% in tier
- Efficiency Drag: Bottom 65.9% in tier
- ROA 0.14% below tier average
- Efficiency ratio 6.01% above tier (higher cost structure)
- Member decline: -5.4% YoY
- Member Growth Rate: Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	19,688 -5.4% YoY-0.8% QoQ	+4.3K	15,437 -2.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	75%
Assets	$262.7M +2.6% YoY+1.4% QoQ	+$30.8M	$231.9M +1.3% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	67%
Loans	$114.3M +3.6% YoY-2.5% QoQ	$-33.0M	$147.3M -0.1% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	44%
Deposits	$233.3M +0.9% YoY+1.6% QoQ	+$32.5M	$200.8M +0.8% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	67%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -10.1% YoY-3.0% QoQ	-0.1%	0.8% +18.2% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	40%
NIM	3.7% +12.3% YoY-0.6% QoQ	+0.1%	3.6% +6.7% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	54%
Efficiency Ratio	83.0% +2.4% YoY+1.1% QoQ	+6.0%	77.0% -3.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	71%
Delinquency Rate	0.4% -5.5% YoY+4.4% QoQ	-0.5	0.9% +4.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	23%
Loan To Share	49.0% +2.7% YoY-4.0% QoQ	-23.2%	72.2% -1.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	Bottom 9.9% in tier
AMR	$17,658 +7.6% YoY+1.0% QoQ	$-7K	$24,676 +3.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	20%
CD Concentration	1.5% -61.0% YoY-21.7% QoQ	-22.9%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#272 of 513 • Top 52.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.56%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#124 of 554 • Bottom 22.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#309 of 554 • Bottom 55.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.63%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.40%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#355 of 538 • Bottom 65.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.03%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.07% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -5.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 1.54%

Peer Median: -

#25 of 1069 Top 2.2% in 100M-500M tier

103

First Mortgage Concentration (%)

balance_sheet

Value: 7.90%

Peer Median: -

#103 of 1069 Top 9.5% in 100M-500M tier

216

AMR Growth Rate

growth

Value: 7.56%

Peer Median: -

#216 of 1069 Top 20.1% in 100M-500M tier

246

Total Delinquency Rate (60+ days)

risk

Value: 0.40%

Peer Median: -

#246 of 1069 Top 22.9% in 100M-500M tier

266

Total Members

engagement

Value: 19,688

Peer Median: -

#266 of 1069 Top 24.8% in 100M-500M tier

Top Weaknesses (5 metrics)

967

Member Growth Rate

growth

Value: -5.36%

Peer Median: -

#967 of 1069 Bottom 9.6% in 100M-500M tier

963

Loan-to-Share Ratio

balance_sheet

Value: 48.98%

Peer Median: -

#963 of 1069 Bottom 10.0% in 100M-500M tier

947

Loan-to-Member Ratio (LMR)

engagement

Value: $5,806

Peer Median: -

#947 of 1069 Bottom 11.5% in 100M-500M tier

860

Average Member Relationship (AMR)

engagement

Value: $17,658

Peer Median: -

#860 of 1069 Bottom 19.6% in 100M-500M tier

831

Deposit Growth Rate

growth

Value: 0.91%

Peer Median: -

#831 of 1069 Bottom 22.4% in 100M-500M tier