BlastPoint's Credit Union Scorecard
COASTAL BEND P O
Charter #11164 · TX
COASTAL BEND P O has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.35% below tier average
- - Delinquency rate 2.19% above tier average
- - Share Certificate Concentration (%): Bottom 1.6% in tier
- - Net Charge-Off Rate: Bottom 2.1% in tier
- - AMR Growth Rate: Bottom 7.8% in tier
- - Deposit Growth Rate: Bottom 8.5% in tier
- - Net Interest Margin (NIM): Bottom 8.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -9.2% year over year ($9.1M in shares and deposits).
- Membership: 919 members, -1.1% vs a year ago.
- Delinquency rate 3.73%.
- Return on assets 0.14%.
- Efficiency ratio 86.62% vs a 88.77% peer average.
- Loan-to-share ratio 43.81% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
919
-1.1% YoY-1.4% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$12.5M
-5.9% YoY-3.6% QoQ
|
$-17.8M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
37% |
| Loans |
$4.0M
-13.3% YoY-6.2% QoQ
|
$-11.5M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$9.1M
-9.2% YoY-6.0% QoQ
|
$-16.7M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
0.1%
-97.5% YoY-44.8% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.0% in tier |
| NIM |
2.6%
-65.1% YoY+0.7% QoQ
|
-1.3% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.6% in tier |
| Efficiency Ratio |
86.6%
+227.8% YoY-4.7% QoQ
|
-2.1% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
3.7%
+1127.7% YoY+280.8% QoQ
|
+2.2 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.0% in tier |
| Loan To Share |
43.8%
-4.5% YoY-0.3% QoQ
|
-15.1% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$14,211
-9.5% YoY-4.7% QoQ
|
$-752 |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
51% |
| CD Concentration |
59.6%
-6.0% YoY-7.2% QoQ
|
+35.0% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)