BlastPoint's Credit Union Scorecard
COAST360
Charter #15222 · GU
COAST360 has 3 strengths but faces 12 concerns
How does the industry compare?
What's your peer group doing?
How does GU stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 6.0% in tier
- + Net Interest Margin 0.02% above tier average
- + AMR Growth Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 14.7% in tier
- - Stagnation Risk: Bottom 44.3% in tier
- - Indirect Auto Dependency: Bottom 45.4% in tier
- - Credit Risk Growth: Bottom 66.8% in tier
- - Credit Quality Pressure: Bottom 79.5% in tier
- - Efficiency Drag: Bottom 99.1% in tier
- - ROA 0.11% below tier average
- - Efficiency ratio 3.13% above tier (higher cost structure)
- - Member decline: -7.0% YoY
- - Share Certificate Concentration (%): Bottom 3.0% in tier
- - Member Growth Rate: Bottom 4.2% in tier
- - Fee Income Per Member: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GU) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,796
-7.0% YoY-7.9% QoQ
|
+7.2K |
38,575
-4.8% YoY
|
31,011
-4.6% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$618.7M
+9.2% YoY+1.4% QoQ
|
$-3.0M |
$621.7M
+0.1% YoY
|
$425.4M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$434.5M
+7.5% YoY+1.9% QoQ
|
+$4.7M |
$429.8M
-1.8% YoY
|
$313.1M
+4.1% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$542.4M
+9.3% YoY+1.1% QoQ
|
+$3.6M |
$538.7M
+0.6% YoY
|
$366.2M
+9.4% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
0.5%
+180.8% YoY-22.0% QoQ
|
-0.1% |
0.7%
+42.9% YoY
|
0.5%
+43.2% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
3.5%
+4.4% YoY-0.6% QoQ
|
+0.0% |
3.4%
+8.0% YoY
|
3.7%
-1.6% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
80.6%
-7.1% YoY+2.0% QoQ
|
+3.1% |
77.5%
-4.1% YoY
|
83.3%
-4.8% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.8%
+10.5% YoY+34.4% QoQ
|
-0.0 |
0.8%
-1.1% YoY
|
1.0%
+43.3% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
80.1%
-1.6% YoY+0.8% QoQ
|
+0.3% |
79.8%
-2.3% YoY
|
90.5%
-7.4% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$21,330
+16.7% YoY+10.2% QoQ
|
$-6K |
$26,849
+2.7% YoY
|
$22,428
+7.3% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration |
42.2%
+10.5% YoY-0.6% QoQ
|
+17.7% | 24.4% | 38.0% | 19.8% | Top 5.1% in tier |
| Indirect Auto % |
15.6%
+1.0% YoY-3.9% QoQ
|
+1.8% | 13.8% | 7.8% | 7.8% | 63% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)