BlastPoint's Credit Union Scorecard
BLUE COAST
Charter #11154 · FL
BLUE COAST demonstrates 5 strengths
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
- + ROA 0.12% above tier average
- + Net Interest Margin 0.49% above tier average
- + First Mortgage Concentration (%): Top 8.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,280
+0.6% YoY+0.5% QoQ
|
-4.2K |
15,437
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$162.9M
-1.0% YoY-0.4% QoQ
|
$-69.0M |
$231.9M
+1.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$123.3M
+7.9% YoY+0.9% QoQ
|
$-24.1M |
$147.3M
-0.1% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$145.6M
+0.3% YoY+1.6% QoQ
|
$-55.2M |
$200.8M
+0.8% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
0.9%
+11.4% YoY+20.1% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
4.1%
+7.0% YoY+1.8% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
76.3%
-3.4% YoY-0.9% QoQ
|
-0.7% |
77.0%
-3.1% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.7%
-16.0% YoY+16.5% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
84.6%
+7.6% YoY-0.7% QoQ
|
+12.4% |
72.2%
-1.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$23,839
+3.0% YoY+0.8% QoQ
|
$-837 |
$24,676
+3.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
29.4%
+7.9% YoY+6.0% QoQ
|
+5.0% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-68.2% YoY-13.6% QoQ
|
-13.7% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)