BlastPoint's Credit Union Scorecard

SEA WEST COAST GUARD

Charter #12814 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

SEA WEST COAST GUARD has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Worth Ratio: Top 3.1% in tier
+ Loan-to-Member Ratio (LMR): Top 3.1% in tier
+ Average Member Relationship (AMR): Top 3.5% in tier
+ Total Delinquency Rate (60+ days): Top 7.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	11,519 -0.8% YoY+0.4% QoQ	-3.6K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	41%
Assets	$381.8M -3.5% YoY-1.1% QoQ	+$150.1M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Top 13.6% in tier
Loans	$239.6M -4.6% YoY-0.5% QoQ	+$95.4M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Top 15.0% in tier
Deposits	$304.0M -4.4% YoY-1.1% QoQ	+$102.9M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	82%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -171.9% YoY	-0.6%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 13.5% in tier
NIM	1.9% +22.9% YoY+11.5% QoQ	-1.7%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 1.0% in tier
Efficiency Ratio	92.5% -16.0% YoY-5.6% QoQ	+14.5%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 10.5% in tier
Delinquency Rate	0.1%	-0.7	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Top 7.2% in tier
Loan To Share	78.8% -0.2% YoY+0.7% QoQ	+8.4%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	65%
AMR	$47,190 -3.6% YoY-1.2% QoQ	+$22K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 3.6% in tier
CD Concentration	34.5% -5.6% YoY+0.1% QoQ	+10.2%	24.3%	21.6%	19.8%	50%
Indirect Auto %	19.3% +4.8% YoY+5.2% QoQ	+5.5%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (11)

Efficiency Drag

risk

#91 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 92.49%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.32% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -0.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Deposit Outflow

decline

#12 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -4.35%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): -0.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Wealth Migration Risk

decline

#6 of 20 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $47.2K

(Tier: $25.5K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -3.65%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

20 of 1070 Mid-Small & Community CUs have this signature | 28 nationally

→ No prior data (20 CUs now) | New qualifier

Shrinking Wallet Share

decline

#87 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.65%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Liquidity Overhang

risk

#67 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.89%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 78.80%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

Institutional Decline

decline

#156 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $381.80M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -0.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.58%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Accelerating Exit Risk

decline

#34 of 53 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -3.65%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Credit Quality Pressure

risk

#507 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Stagnation Risk

risk

#452 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.58%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.10%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#524 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#486 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -3.52%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 19.29%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Net Worth Ratio

risk

Value: 19.89%

Peer Median: 11.45%

#34 of 1070 Top 3.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,797

Peer Median: $9,356

#34 of 1070 Top 3.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $47,190

Peer Median: $22,931

#38 of 1070 Top 3.5% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: 0.61%

#78 of 1070 Top 7.2% in 100M-500M tier

127

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.35%

#127 of 1070 Top 11.8% in 100M-500M tier

145

Total Assets

balance_sheet

Value: $381.80M

Peer Median: $196.57M

#145 of 1070 Top 13.5% in 100M-500M tier

161

Total Loans

balance_sheet

Value: $239.56M

Peer Median: $121.41M

#161 of 1070 Top 15.0% in 100M-500M tier

196

Total Deposits

balance_sheet

Value: $304.01M

Peer Median: $171.29M

#196 of 1070 Top 18.2% in 100M-500M tier

Top Weaknesses (10 metrics)

1059

Net Interest Margin (NIM)

profitability

Value: 1.94%

Peer Median: 3.62%

#1059 of 1070 Bottom 1.1% in 100M-500M tier

1038

First Mortgage Concentration (%)

balance_sheet

Value: 67.55%

Peer Median: 29.47%

#1038 of 1070 Bottom 3.1% in 100M-500M tier

1022

Deposit Growth Rate

growth

Value: -4.35%

Peer Median: 3.30%

#1022 of 1070 Bottom 4.6% in 100M-500M tier

1016

Asset Growth Rate

growth

Value: -3.52%

Peer Median: 3.91%

#1016 of 1070 Bottom 5.1% in 100M-500M tier

1004

Fee Income Per Member

profitability

Value: $66.87

Peer Median: $154.95

#1004 of 1070 Bottom 6.3% in 100M-500M tier

995

AMR Growth Rate

growth

Value: -3.65%

Peer Median: 3.46%

#995 of 1070 Bottom 7.1% in 100M-500M tier

959

Efficiency Ratio

profitability

Value: 92.49%

Peer Median: 78.68%

#959 of 1070 Bottom 10.5% in 100M-500M tier

942

Loan Growth Rate

growth

Value: -4.58%

Peer Median: 2.93%

#942 of 1070 Bottom 12.1% in 100M-500M tier

926

Return on Assets (ROA)

profitability

Value: 0.13%

Peer Median: 0.69%

#926 of 1070 Bottom 13.6% in 100M-500M tier

899

Share Certificate Concentration (%)

balance_sheet

Value: 34.49%

Peer Median: 23.10%

#899 of 1070 Bottom 16.1% in 100M-500M tier