BlastPoint's Credit Union Scorecard
COASTAL BEND P O
Charter #11164 · TX
COASTAL BEND P O has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.29% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Share Certificate Concentration (%): Bottom 0.9% in tier
- - Net Charge-Off Rate: Bottom 9.1% in tier
- - Net Interest Margin (NIM): Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
932
-4.3% YoY-0.2% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$13.0M
-4.0% YoY-1.3% QoQ
|
$-17.2M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
37% |
| Loans |
$4.2M
-9.5% YoY-4.2% QoQ
|
$-11.0M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
31% |
| Deposits |
$9.7M
-5.5% YoY-1.6% QoQ
|
$-16.1M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
0.3%
-97.6% YoY-90.9% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
2.6%
-80.0% YoY-47.4% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.2% in tier |
| Efficiency Ratio |
90.9%
+457.2% YoY+107.9% QoQ
|
+0.3% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
71% |
| Delinquency Rate |
1.0%
-15.7% YoY-1.9% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
43.9%
-4.2% YoY-2.7% QoQ
|
-14.6% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$14,913
-2.5% YoY-2.2% QoQ
|
+$29 |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
55% |
| CD Concentration |
64.2%
-1.3% YoY+1.6% QoQ
|
+39.9% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)