BlastPoint's Credit Union Scorecard

SEA WEST COAST GUARD

Charter #12814 · CA

100M-500M

1069 CUs in 100M-500M nationally 63 in CA

SEA WEST COAST GUARD has 5 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

+ Total Delinquency Rate (60+ days): Top 1.2% in tier
+ Average Member Relationship (AMR): Top 3.2% in tier
+ Loan-to-Member Ratio (LMR): Top 3.2% in tier
+ Net Worth Ratio: Top 3.4% in tier
+ Net Charge-Off Rate: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: 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
- Accelerating Exit Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	11,478 -1.0% YoY-0.1% QoQ	-4.0K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	39%
Assets	$386.2M -2.8% YoY+0.1% QoQ	+$154.3M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Top 13.1% in tier
Loans	$240.7M -4.8% YoY-0.1% QoQ	+$93.4M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	84%
Deposits	$307.5M -3.6% YoY-0.2% QoQ	+$106.7M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	83%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.0% -109.1% YoY-61.5% QoQ	-0.7%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 7.0% in tier
NIM	1.7% +5.3% YoY+1.4% QoQ	-1.9%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Bottom 1.0% in tier
Efficiency Ratio	98.0% -13.5% YoY+1.9% QoQ	+21.0%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Bottom 3.0% in tier
Delinquency Rate	0.0%	-0.9	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Top 1.2% in tier
Loan To Share	78.3% -1.2% YoY+0.1% QoQ	+6.0%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	59%
AMR	$47,764 -3.1% YoY-0.1% QoQ	+$23K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 3.3% in tier
CD Concentration	34.5% -5.3% YoY-2.4% QoQ	+10.0%	24.4%	21.7%	19.8%	50%
Indirect Auto %	18.3% +1.6% YoY+0.4% QoQ	+4.5%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (10)

Efficiency Drag

risk

#58 of 538 • 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: 97.98%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.30% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -1.01%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Wealth Migration Risk

decline

#7 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: $47.8K

(Tier: $25.3K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -3.14%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

20 of 1069 Mid-Small & Community CUs have this signature | 34 nationally

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

Shrinking Wallet Share

decline

#90 of 208 • 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): -3.14%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Liquidity Overhang

risk

#61 of 135 • 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: 19.63%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 78.27%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

Accelerating Exit Risk

decline

#31 of 56 • 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): -1.01%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -3.14%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Institutional Decline

decline

#144 of 240 • 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: $386.20M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -1.01%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.78%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Stagnation Risk

risk

#448 of 554 • 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): -1.01%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.78%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.03%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#483 of 554 • 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): -1.01%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#659 of 705 • 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): 0.02% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#493 of 506 • 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): -2.80%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 18.33%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.01%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.03%

Peer Median: -

#14 of 1069 Top 1.2% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $47,764

Peer Median: -

#35 of 1069 Top 3.2% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,971

Peer Median: -

#35 of 1069 Top 3.2% in 100M-500M tier

Net Worth Ratio

risk

Value: 19.63%

Peer Median: -

#37 of 1069 Top 3.4% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.04%

Peer Median: -

#61 of 1069 Top 5.6% in 100M-500M tier

140

Total Assets

balance_sheet

Value: $386.20M

Peer Median: -

#140 of 1069 Top 13.0% in 100M-500M tier

171

Total Loans

balance_sheet

Value: $240.70M

Peer Median: -

#171 of 1069 Top 15.9% in 100M-500M tier

184

Total Deposits

balance_sheet

Value: $307.53M

Peer Median: -

#184 of 1069 Top 17.1% in 100M-500M tier

Top Weaknesses (10 metrics)

1058

Net Interest Margin (NIM)

profitability

Value: 1.74%

Peer Median: -

#1058 of 1069 Bottom 1.1% in 100M-500M tier

1045

First Mortgage Concentration (%)

balance_sheet

Value: 68.80%

Peer Median: -

#1045 of 1069 Bottom 2.3% in 100M-500M tier

1038

Efficiency Ratio

profitability

Value: 97.98%

Peer Median: -

#1038 of 1069 Bottom 3.0% in 100M-500M tier

1013

Deposit Growth Rate

growth

Value: -3.59%

Peer Median: -

#1013 of 1069 Bottom 5.3% in 100M-500M tier

1003

Asset Growth Rate

growth

Value: -2.80%

Peer Median: -

#1003 of 1069 Bottom 6.3% in 100M-500M tier

994

Return on Assets (ROA)

profitability

Value: 0.02%

Peer Median: -

#994 of 1069 Bottom 7.1% in 100M-500M tier

993

AMR Growth Rate

growth

Value: -3.14%

Peer Median: -

#993 of 1069 Bottom 7.2% in 100M-500M tier

942

Loan Growth Rate

growth

Value: -4.78%

Peer Median: -

#942 of 1069 Bottom 12.0% in 100M-500M tier

915

Fee Income Per Member

profitability

Value: $101.06

Peer Median: -

#915 of 1069 Bottom 14.5% in 100M-500M tier

893

Share Certificate Concentration (%)

balance_sheet

Value: 34.47%

Peer Median: -

#893 of 1069 Bottom 16.6% in 100M-500M tier