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BlastPoint's Credit Union Scorecard

SEA WEST COAST GUARD

Charter #12814 · CA

100M-500M
1024 CUs in 100M-500M nationally 57 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

  • + Total Delinquency Rate (60+ days): Top 0.9% in tier
  • + Net Worth Ratio: Top 3.3% in tier
  • + Loan-to-Member Ratio (LMR): Top 3.4% in tier
  • + Average Member Relationship (AMR): Top 3.8% 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
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - ROA 0.65% below tier average
  • - Efficiency ratio 12.15% above tier (higher cost structure)

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
  • Shares and deposits -3.6% year over year ($300M in shares and deposits).
  • Membership: 11,553 members, -0.3% vs a year ago.
  • Delinquency rate 0.01%.
  • Return on assets 0.22%.
  • Efficiency ratio 88.88% vs a 76.73% peer average.
  • Loan-to-share ratio 79.44% vs a 71.54% 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 (CA) National Avg Tier Percentile
Members 11,553
-0.3% YoY+0.3% QoQ
 -3.6K 15,168
-2.6% YoY
 67,400
+7.3% YoY
 34,678
+6.6% YoY
 41%
Assets $377.9M
-2.6% YoY-1.0% QoQ
 +$145.9M $232.0M
+0.7% YoY
 $1.4B
+10.3% YoY
 $593.1M
+10.2% YoY
 Top 13.9% in tier
Loans $238.2M
-3.1% YoY-0.6% QoQ
 +$92.0M $146.3M
+0.2% YoY
 $958.9M
+10.2% YoY
 $418.6M
+10.1% YoY
 84%
Deposits $299.9M
-3.6% YoY-1.4% QoQ
 +$99.2M $200.7M
+0.2% YoY
 $1.2B
+11.1% YoY
 $504.8M
+10.3% YoY
 82%

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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 0.2%
-320.7% YoY+61.5% QoQ
 -0.6% 0.9%
+12.5% YoY
 2.5%
+328.4% YoY
 1.2%
+121.4% YoY
 Bottom 9.3% in tier
NIM 2.1%
+24.8% YoY+6.2% QoQ
 -1.6% 3.7%
+4.5% YoY
 3.4%
+4.4% YoY
 3.8%
+2.3% YoY
 Bottom 1.2% in tier
Efficiency Ratio 88.9%
-15.3% YoY-3.9% QoQ
 +12.1% 76.7%
-0.8% YoY
 79.7%
-4.5% YoY
 83.0%
-5.3% YoY
 Bottom 14.1% in tier
Delinquency Rate 0.0%
-87.1% YoY-89.7% QoQ
 -0.9 0.9%
+6.6% YoY
 0.7%
-14.3% YoY
 1.3%
+2.6% YoY
 Top 0.9% in tier
Loan To Share 79.4%
+0.5% YoY+0.8% QoQ
 +7.9% 71.5%
-0.3% YoY
 69.0%
+0.5% YoY
 66.4%
-1.4% YoY
 63%
AMR $46,580
-3.2% YoY-1.3% QoQ
 +$21K $25,107
+3.2% YoY
 $29,171
+2.5% YoY
 $20,028
-0.9% YoY
 Top 3.9% in tier
CD Concentration 34.5%
-4.5% YoY+0.0% QoQ
 +9.9% 24.6% 22.2% 20.0% 50%
Indirect Auto % 19.6%
+6.1% YoY+1.6% QoQ
 +6.0% 13.6% 9.2% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk
#85 of 531 • 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: 88.88%
(Tier: 76.58%, National: 82.97%)
worse than tier avg
ROA Change (YoY): 0.32% points
(Tier: 0.10% points, National: 0.47% points)
but better than tier avg
Member Growth (YoY): -0.25%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally
↓ Shrinking -37 CUs YoY | Rank worsening

Deposit Outflow

decline
#17 of 84 • 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): -3.61%
(Tier: 4.24%, National: 100.69%)
worse than tier avg
Member Growth (YoY): -0.25%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally
↓ Shrinking -9 CUs YoY | Rank improving

Wealth Migration Risk

decline
#5 of 13 • 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: $46.6K
(Tier: $25.7K, National: $20.0K)
but better than tier avg
AMR Growth (YoY): -3.15%
(Tier: 3.97%, National: 35.20%)
worse than tier avg
13 of 1024 Mid-Small & Community CUs have this signature | 24 nationally
↓ Shrinking -13 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#91 of 223 • 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): -3.15%
(Tier: 3.97%, National: 35.20%)
worse than tier avg
223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally
↓ Shrinking -61 CUs YoY | Rank improving

Liquidity Overhang

risk
#64 of 130 • 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: 20.17%
(Tier: 12.53%, National: 14.66%)
but better than tier avg
Loan-to-Share Ratio: 79.44%
(Tier: 73.56%, National: 66.39%)
but better than tier avg
130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally
↑ Growing +7 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#456 of 476 • 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): -2.63%
(Tier: 4.62%, National: 3.30%)
worse than tier avg
Indirect Auto %: 19.60%
(Tier: 13.63%, National: 7.71%)
worse than tier avg
Member Growth (YoY): -0.25%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally
↓ Shrinking -57 CUs YoY | Rank improving

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)

Comparing against 1024 peers in tier

Top Strengths (8 metrics)

10
Total Delinquency Rate (60+ days)
risk
Value: 0.01%
Peer Median: 0.71%
#10 of 1024 Top 0.9% in 100M-500M tier
35
Net Worth Ratio
risk
Value: 20.17%
Peer Median: 11.71%
#35 of 1024 Top 3.3% in 100M-500M tier
36
Loan-to-Member Ratio (LMR)
engagement
Value: $20,621
Peer Median: $9,434
#36 of 1024 Top 3.4% in 100M-500M tier
40
Average Member Relationship (AMR)
engagement
Value: $46,580
Peer Median: $23,006
#40 of 1024 Top 3.8% in 100M-500M tier
113
Net Charge-Off Rate
risk
Value: 0.06%
Peer Median: 0.34%
#113 of 1024 Top 10.9% in 100M-500M tier
142
Total Assets
balance_sheet
Value: $377.95M
Peer Median: $196.38M
#142 of 1024 Top 13.8% in 100M-500M tier
160
Total Loans
balance_sheet
Value: $238.23M
Peer Median: $124.04M
#160 of 1024 Top 15.5% in 100M-500M tier
189
Total Deposits
balance_sheet
Value: $299.91M
Peer Median: $170.77M
#189 of 1024 Top 18.4% in 100M-500M tier

Top Weaknesses (10 metrics)

1012
Net Interest Margin (NIM)
profitability
Value: 2.06%
Peer Median: 3.67%
#1012 of 1024 Bottom 1.3% in 100M-500M tier
988
First Mortgage Concentration (%)
balance_sheet
Value: 66.76%
Peer Median: 29.92%
#988 of 1024 Bottom 3.6% in 100M-500M tier
982
Fee Income Per Member
profitability
Value: $63.45
Peer Median: $159.88
#982 of 1024 Bottom 4.2% in 100M-500M tier
965
Deposit Growth Rate
growth
Value: -3.61%
Peer Median: 3.58%
#965 of 1024 Bottom 5.9% in 100M-500M tier
957
Asset Growth Rate
growth
Value: -2.63%
Peer Median: 4.12%
#957 of 1024 Bottom 6.6% in 100M-500M tier
952
AMR Growth Rate
growth
Value: -3.15%
Peer Median: 3.53%
#952 of 1024 Bottom 7.1% in 100M-500M tier
929
Return on Assets (ROA)
profitability
Value: 0.22%
Peer Median: 0.75%
#929 of 1024 Bottom 9.4% in 100M-500M tier
881
Efficiency Ratio
profitability
Value: 88.88%
Peer Median: 77.26%
#881 of 1024 Bottom 14.1% in 100M-500M tier
856
Loan Growth Rate
growth
Value: -3.13%
Peer Median: 3.02%
#856 of 1024 Bottom 16.5% in 100M-500M tier
850
Share Certificate Concentration (%)
balance_sheet
Value: 34.50%
Peer Median: 23.39%
#850 of 1024 Bottom 17.1% in 100M-500M tier
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