BlastPoint's Credit Union Scorecard
COASTAL COMMUNITY
Charter #11927 · TX
COASTAL COMMUNITY has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 1.0% in tier
- + Total Deposits: Top 1.4% in tier
- + Total Assets: Top 2.3% in tier
- + Total Loans: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 15.63% above tier (higher cost structure)
- - Delinquency rate 1.25% above tier average
- - Member decline: -3.4% YoY
- - Net Charge-Off Rate: Bottom 7.4% 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 -3.1% year over year ($83.5M in shares and deposits).
- Membership: 10,930 members, -3.4% vs a year ago.
- Delinquency rate 2.79%.
- Return on assets 0.99%.
- Efficiency ratio 104.40% vs a 88.77% peer average.
- Loan-to-share ratio 55.42% 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 |
10,930
-3.4% YoY-0.7% QoQ
|
+8.3K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 1.1% in tier |
| Assets |
$93.3M
-4.1% YoY-2.8% QoQ
|
+$63.0M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 2.3% in tier |
| Loans |
$46.3M
-14.7% YoY-3.5% QoQ
|
+$30.8M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 6.9% in tier |
| Deposits |
$83.5M
-3.1% YoY-2.6% QoQ
|
+$57.7M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Top 1.4% in tier |
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| ROA |
1.0%
+46.6% YoY-240.7% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
3.7%
-14.4% YoY-0.1% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
43% |
| Efficiency Ratio |
104.4%
+31.5% YoY+0.4% QoQ
|
+15.6% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate |
2.8%
+117.8% YoY+51.5% QoQ
|
+1.2 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 14.2% in tier |
| Loan To Share |
55.4%
-11.9% YoY-0.9% QoQ
|
-3.5% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$11,878
-4.3% YoY-2.3% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
23.5%
+1.8% YoY-3.8% QoQ
|
-1.0% | 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)