BlastPoint's Credit Union Scorecard

COASTLINE

Charter #1115 · FL

1077 CUs in 100M-500M nationally 35 in FL

COASTLINE has 2 strengths but faces 8 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

+ Organic Growth Engine: Top 32.0% in tier
+ Net Interest Margin 0.35% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.4% in tier
- Credit Quality Pressure: Bottom 16.4% in tier
- Shrinking Wallet Share: Bottom 23.4% in tier
- Credit Risk Growth: Bottom 24.3% in tier
- Indirect Auto Dependency: Bottom 26.7% in tier
- ROA 0.38% below tier average
- Efficiency ratio 9.56% above tier (higher cost structure)
- Asset Growth Rate: Bottom 5.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	10,562 +1.2% YoY+0.9% QoQ	-5.1K	15,628 -3.4% YoY	69,671 +4.3% YoY	33,089 +6.1% YoY	33%
Assets	$129.7M -3.7% YoY-1.8% QoQ	$-101.6M	$231.3M -0.0% YoY	$1.1B +3.8% YoY	$547.7M +7.8% YoY	20%
Loans	$87.5M +1.8% YoY-1.2% QoQ	$-60.3M	$147.8M -1.4% YoY	$773.4M +7.4% YoY	$388.7M +8.6% YoY	27%
Deposits	$117.7M -0.5% YoY+0.0% QoQ	$-82.6M	$200.3M -0.0% YoY	$908.2M +6.5% YoY	$464.6M +9.3% YoY	24%

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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	0.4% -7.4% YoY+6.8% QoQ	-0.4%	0.8% +15.5% YoY	0.6% +15.9% YoY	0.7% +273.4% YoY	25%
NIM	3.9% +8.6% YoY+1.8% QoQ	+0.4%	3.6% +6.9% YoY	3.6% +6.7% YoY	3.7% +5.0% YoY	69%
Efficiency Ratio	86.8% -0.1% YoY+0.6% QoQ	+9.6%	77.3% -3.0% YoY	79.0% +0.0% YoY	79.1% -3.3% YoY	82%
Delinquency Rate	0.4% +56.8% YoY+67.6% QoQ	-0.4	0.9% +7.6% YoY	0.7% +3.1% YoY	1.2% -0.9% YoY	32%
Loan To Share	74.3% +2.3% YoY-1.3% QoQ	+1.6%	72.7% -1.5% YoY	71.2% +0.4% YoY	68.0% -1.7% YoY	50%
AMR	$19,427 -0.7% YoY-1.4% QoQ	$-5K	$24,363 +2.9% YoY	$22,283 +3.7% YoY	$19,418 +1.3% YoY	31%
CD Concentration	12.2% +7.3% YoY-1.0% QoQ	-12.2%	24.4% +4.2% YoY	23.4% +4.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	34.2% -7.8% YoY-2.2% QoQ	+20.2%	14.0% -5.7% YoY	10.9% -1.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#587 of 603 • Top 32.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.18%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.40%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 34.20%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (5)

Efficiency Drag

risk

#61 of 521 • Bottom 3.4% in tier

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

Why This Signature

Efficiency Ratio: 86.83%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.03% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 1.18%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk

#406 of 736 • Bottom 16.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#234 of 244 • Bottom 23.4% in tier

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

Why This Signature

AMR Growth (YoY): -0.68%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank worsening

Credit Risk Growth

risk

#365 of 446 • Bottom 24.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.81%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#429 of 525 • Bottom 26.7% in tier

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

Why This Signature

Asset Growth (YoY): -3.71%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 34.20%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.18%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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 1077 peers in tier

Top Strengths (2 metrics)

115

First Mortgage Concentration (%)

balance_sheet

Value: 8.12%

Peer Avg: -

#115 of 1077 Top 10.6% in 100M-500M tier

168

Share Certificate Concentration (%)

balance_sheet

Value: 12.19%

Peer Avg: -

#168 of 1077 Top 15.5% in 100M-500M tier

Top Weaknesses (7 metrics)

1020

Asset Growth Rate

growth

Value: -3.71%

Peer Avg: -

#1020 of 1077 Bottom 5.4% in 100M-500M tier

939

Indirect Auto Concentration (%)

balance_sheet

Value: 34.20%

Peer Avg: -

#939 of 1077 Bottom 12.9% in 100M-500M tier

909

Deposit Growth Rate

growth

Value: -0.47%

Peer Avg: -

#909 of 1077 Bottom 15.7% in 100M-500M tier

889

AMR Growth Rate

growth

Value: -0.68%

Peer Avg: -

#889 of 1077 Bottom 17.5% in 100M-500M tier

885

Efficiency Ratio

profitability

Value: 86.83%

Peer Avg: -

#885 of 1077 Bottom 17.9% in 100M-500M tier

861

Total Assets

balance_sheet

Value: $129.74M

Peer Avg: -

#861 of 1077 Bottom 20.1% in 100M-500M tier

819

Total Deposits

balance_sheet

Value: $117.69M

Peer Avg: -

#819 of 1077 Bottom 24.0% in 100M-500M tier