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 Deposits: Top 0.6% in tier
- + Total Members: Top 0.9% in tier
- + Total Assets: Top 1.1% in tier
- + Total Loans: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.85% below tier average
- - Efficiency ratio 13.31% above tier (higher cost structure)
- - Delinquency rate 0.34% above tier average
- - Member decline: -4.1% YoY
- - Net Charge-Off Rate: Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,008
-4.1% YoY-0.5% QoQ
|
+8.3K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 0.9% in tier |
| Assets |
$96.0M
-1.0% YoY-1.6% QoQ
|
+$65.8M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Top 1.1% in tier |
| Loans |
$48.0M
-12.5% YoY-5.8% QoQ
|
+$32.7M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Top 5.8% in tier |
| Deposits |
$85.8M
-0.6% YoY-1.4% QoQ
|
+$60.0M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Top 0.7% in tier |
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| ROA |
-0.7%
-240.2% YoY-357.1% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.7% in tier |
| NIM |
3.7%
-14.8% YoY-12.3% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
103.9%
+25.3% YoY+22.8% QoQ
|
+13.3% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.2% in tier |
| Delinquency Rate |
1.8%
+106.1% YoY+8.3% QoQ
|
+0.3 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
55.9%
-12.0% YoY-4.5% QoQ
|
-2.6% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$12,153
-1.2% YoY-2.5% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
40% |
| CD Concentration |
24.5%
+15.4% YoY-2.1% QoQ
|
+0.2% | 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)