BlastPoint's Credit Union Scorecard

COASTLINE

Charter #1115 · FL

100M-500M

1070 CUs in 100M-500M nationally 36 in FL

COASTLINE has 2 strengths but faces 6 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

+ Net Interest Margin 0.12% above tier average
+ First Mortgage Concentration (%): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.68% below tier average
- Efficiency ratio 12.68% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	10,646 +1.2% YoY+0.4% QoQ	-4.5K	15,145 -2.5% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	35%
Assets	$137.3M +2.8% YoY+4.8% QoQ	$-94.4M	$231.7M +0.8% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	24%
Loans	$85.4M -1.9% YoY-1.9% QoQ	$-58.7M	$144.1M +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	27%
Deposits	$121.7M +2.5% YoY+1.4% QoQ	$-79.4M	$201.1M +0.4% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	25%

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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	0.1% -75.1% YoY-88.5% QoQ	-0.7%	0.7% +5.1% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	Bottom 9.5% in tier
NIM	3.8% -1.7% YoY-6.1% QoQ	+0.1%	3.6% +4.6% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	90.7% +4.8% YoY+3.6% QoQ	+12.7%	78.0% -1.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	Bottom 14.0% in tier
Delinquency Rate	0.2% +50.0% YoY-39.6% QoQ	-0.5	0.8% +7.1% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	16%
Loan To Share	70.2% -4.3% YoY-3.2% QoQ	-0.2%	70.4% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	47%
AMR	$19,456 -0.6% YoY-0.4% QoQ	$-5K	$24,918 +2.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	29%
CD Concentration	14.2% +24.7% YoY+9.9% QoQ	-10.1%	24.3%	24.4%	19.8%	50%
Indirect Auto %	34.6% +0.2% YoY+2.2% QoQ	+20.8%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#68 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 90.70%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 1.24%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#267 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.84%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 34.64%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.24%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#532 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#228 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.57%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (3 metrics)

103

First Mortgage Concentration (%)

balance_sheet

Value: 7.75%

Peer Median: 29.47%

#103 of 1070 Top 9.5% in 100M-500M tier

168

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Median: 0.61%

#168 of 1070 Top 15.6% in 100M-500M tier

214

Share Certificate Concentration (%)

balance_sheet

Value: 14.18%

Peer Median: 23.10%

#214 of 1070 Top 19.9% in 100M-500M tier

Top Weaknesses (6 metrics)

968

Return on Assets (ROA)

profitability

Value: 0.05%

Peer Median: 0.69%

#968 of 1070 Bottom 9.6% in 100M-500M tier

944

Indirect Auto Concentration (%)

balance_sheet

Value: 34.64%

Peer Median: 6.61%

#944 of 1070 Bottom 11.9% in 100M-500M tier

921

Efficiency Ratio

profitability

Value: 90.70%

Peer Median: 78.68%

#921 of 1070 Bottom 14.0% in 100M-500M tier

881

AMR Growth Rate

growth

Value: -0.57%

Peer Median: 3.46%

#881 of 1070 Bottom 17.8% in 100M-500M tier

826

Loan Growth Rate

growth

Value: -1.91%

Peer Median: 2.93%

#826 of 1070 Bottom 22.9% in 100M-500M tier

811

Total Assets

balance_sheet

Value: $137.30M

Peer Median: $196.57M

#811 of 1070 Bottom 24.3% in 100M-500M tier