COASTAL BEND P O
Charter #11164 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
COASTAL BEND P O has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.06% above tier average
- + Net Interest Margin 1.78% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.0% YoY
- - Share Certificate Concentration (%): Bottom 1.1% in tier
- - Deposit Growth Rate: Bottom 2.8% in tier
- - Asset Growth Rate: Bottom 3.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
942
-7.0% YoY+1.4% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
27th in tier |
| Assets |
$13.2M
-11.8% YoY-0.3% QoQ
|
$-16.6M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
39th in tier |
| Loans |
$4.4M
-10.4% YoY-3.8% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
31st in tier |
| Deposits |
$9.9M
-15.3% YoY-0.9% QoQ
|
$-15.5M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
36th in tier |
| ROA |
3.7%
+2700.6% YoY-34.0% QoQ
|
+3.1% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 1.4% in tier |
| NIM |
5.7%
+210.6% YoY-23.6% QoQ
|
+1.8% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 5.8% in tier |
| Efficiency Ratio |
36.8%
-60.5% YoY+39.4% QoQ
|
-44.6% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.9% in tier |
| Delinquency Rate |
0.6%
-34.9% YoY+110.1% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
48th in tier |
| Loan To Share |
44.5%
+5.7% YoY-3.0% QoQ
|
-16.7% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 24.3% in tier |
| AMR |
$15,216
-7.3% YoY-3.1% QoQ
|
+$589 |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
59th in tier |
| CD Concentration |
62.0%
+0.9% YoY-2.2% QoQ
|
+37.6% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
36
Return on Assets (ROA)
profitability
Value:
3.74%
Peer Avg: 0.68%
#36 of 2596
Top 1.3% in <100M tier
50
Efficiency Ratio
profitability
Value:
36.84%
Peer Avg: 81.39%
#50 of 2596
Top 1.9% in <100M tier
151
Net Interest Margin (NIM)
profitability
Value:
5.71%
Peer Avg: 3.93%
#151 of 2596
Top 5.8% in <100M tier
302
Net Worth Ratio
risk
Value:
24.58%
Peer Avg: 16.43%
#302 of 2596
Top 11.6% in <100M tier
Top Weaknesses (8 metrics)
2569
Share Certificate Concentration (%)
balance_sheet
Value:
61.99%
Peer Avg: 15.37%
#2569 of 2596
Bottom 1.1% in <100M tier
2524
Deposit Growth Rate
growth
Value:
-15.27%
Peer Avg: 16.80%
#2524 of 2596
Bottom 2.8% in <100M tier
2500
Asset Growth Rate
growth
Value:
-11.84%
Peer Avg: 1.82%
#2500 of 2596
Bottom 3.7% in <100M tier
2336
Member Growth Rate
growth
Value:
-7.01%
Peer Avg: 14.92%
#2336 of 2596
Bottom 10.1% in <100M tier
2288
AMR Growth Rate
growth
Value:
-7.34%
Peer Avg: 4.67%
#2288 of 2596
Bottom 11.9% in <100M tier
2073
Loan Growth Rate
growth
Value:
-10.42%
Peer Avg: 59.01%
#2073 of 2596
Bottom 20.2% in <100M tier
2013
Members Per Employee (MPE)
engagement
Value:
235.500
Peer Avg: 365.701
#2013 of 2596
Bottom 22.5% in <100M tier
1960
Loan-to-Share Ratio
balance_sheet
Value:
44.52%
Peer Avg: 61.23%
#1960 of 2596
Bottom 24.5% in <100M tier