BlastPoint's Credit Union Scorecard

BLUE COAST

Charter #11154 · FL

100M-500M

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

BLUE COAST has 8 strengths but faces 2 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 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.16% above tier average
+ Net Interest Margin 0.31% above tier average
+ Total Delinquency Rate (60+ days): Top 7.1% in tier
+ First Mortgage Concentration (%): Top 7.9% in tier
+ Loan Growth Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Efficiency ratio 1.37% 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	11,373 +2.0% YoY+0.8% QoQ	-3.8K	15,145 -2.5% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	40%
Assets	$170.2M +1.7% YoY+4.5% QoQ	$-61.6M	$231.7M +0.8% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	39%
Loans	$130.1M +13.5% YoY+5.5% QoQ	$-14.1M	$144.1M +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	55%
Deposits	$151.6M +2.1% YoY+4.1% QoQ	$-49.6M	$201.1M +0.4% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	42%

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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	0.9% +0.2% YoY+1.2% QoQ	+0.2%	0.7% +5.1% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	63%
NIM	3.9% +2.2% YoY-3.7% QoQ	+0.3%	3.6% +4.6% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	71%
Efficiency Ratio	79.4% +7.0% YoY+4.0% QoQ	+1.4%	78.0% -1.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	52%
Delinquency Rate	0.1% -74.7% YoY-85.5% QoQ	-0.7	0.8% +7.1% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	Top 7.1% in tier
Loan To Share	85.8% +11.2% YoY+1.4% QoQ	+15.4%	70.4% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	80%
AMR	$24,767 +5.0% YoY+3.9% QoQ	$-152	$24,918 +2.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	60%
CD Concentration	31.2% +14.8% YoY+5.9% QoQ	+6.9%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0% -93.9% YoY	-13.8%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#187 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.01%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.89%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.01%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#226 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.01%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.01%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#128 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.89%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.01%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (1)

Cost Spiral

risk

#83 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.20% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 59.29%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

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 (4 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: 0.61%

#77 of 1070 Top 7.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.63%

Peer Median: 29.47%

#85 of 1070 Top 7.9% in 100M-500M tier

Loan Growth Rate

growth

Value: 13.55%

Peer Median: 2.93%

#89 of 1070 Top 8.2% in 100M-500M tier

211

Loan-to-Share Ratio

balance_sheet

Value: 85.82%

Peer Median: 71.88%

#211 of 1070 Top 19.6% in 100M-500M tier

Top Weaknesses (2 metrics)

868

Net Charge-Off Rate

risk

Value: 0.75%

Peer Median: 0.35%

#868 of 1070 Bottom 19.0% in 100M-500M tier

809

Share Certificate Concentration (%)

balance_sheet

Value: 31.16%

Peer Median: 23.10%

#809 of 1070 Bottom 24.5% in 100M-500M tier