BlastPoint's Credit Union Scorecard

COAST360

Charter #15222 · GU

Community 500M-750M

167 CUs in 500M-750M nationally 1 in GU

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COAST360 has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

GU Analysis

How does GU stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 4.0% in tier
+ Organic Growth Engine: Top 4.0% in tier
+ ROA 0.06% above tier average
+ Net Interest Margin 0.08% above tier average
+ Strong member growth: 10.9% YoY
+ Member Growth Rate: Top 2.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 28.0% in tier
- Credit Quality Pressure: Bottom 28.4% in tier
- Shrinking Wallet Share: Bottom 93.3% in tier
- Share Certificate Concentration (%): Bottom 2.4% in tier
- AMR Growth Rate: Bottom 6.6% in tier
- Fee Income Per Member: Bottom 8.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GU)	National Avg	Tier Percentile
Members	49,719 +10.9% YoY+8.6% QoQ	+11.6K	38,079 -4.8% YoY	33,036 +9.1% YoY	33,913 +5.7% YoY	Top 10.8% in tier
Assets	$625.6M +6.7% YoY+1.1% QoQ	+$5.9M	$619.7M -0.2% YoY	$430.8M +3.9% YoY	$578.3M +9.0% YoY	53%
Loans	$439.3M +7.4% YoY+1.1% QoQ	+$20.0M	$419.3M -1.4% YoY	$314.4M +4.4% YoY	$402.4M +8.7% YoY	56%
Deposits	$548.8M +6.8% YoY+1.2% QoQ	+$9.3M	$539.5M -0.1% YoY	$372.5M +7.9% YoY	$494.3M +9.1% YoY	56%

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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	0.7% -1.2% YoY+35.7% QoQ	+0.1%	0.7% +36.0% YoY	1.3% +204.6% YoY	0.4% -39.2% YoY	61%
NIM	3.5% +1.2% YoY+2.5% QoQ	+0.1%	3.5% +4.5% YoY	3.8% +3.1% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	75.4% -5.4% YoY-6.5% QoQ	-3.0%	78.4% -3.7% YoY	70.8% -20.0% YoY	84.6% +2.8% YoY	33%
Delinquency Rate	0.6% +36.8% YoY-23.6% QoQ	-0.1	0.7% -0.9% YoY	0.5% -24.0% YoY	1.2% +3.4% YoY	50%
Loan To Share	80.1% +0.6% YoY-0.1% QoQ	+2.4%	77.7% -1.2% YoY	88.3% -6.7% YoY	65.6% -1.4% YoY	50%
AMR	$19,874 -3.4% YoY-6.8% QoQ	$-7K	$26,927 +3.1% YoY	$21,734 -1.5% YoY	$19,920 +1.6% YoY	Bottom 13.2% in tier
CD Concentration	40.9% +9.8% YoY-3.0% QoQ	+16.6%	24.3%	37.2%	19.8%	Top 6.2% in tier
Indirect Auto %	14.9% -8.6% YoY-4.8% QoQ	+1.1%	13.8%	7.4%	7.7%	62%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#29 of 371 • Top 4.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 10.91%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 14.89%

(Tier: 13.80%, National: 7.73%)

but worse than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#136 of 352 • Top 4.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 10.91%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.75%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 14.89%

(Tier: 13.80%, National: 7.73%)

but worse than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (3)

Shrinking Wallet Share

decline

#91 of 238 • Bottom 93.3% in tier

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

Why This Signature

AMR Growth (YoY): -3.45%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 284 Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Risk Growth

risk

#196 of 476 • Bottom 28.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.45%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.17% points

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

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#379 of 727 • Bottom 28.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.17% points

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

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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 167 peers in tier

Top Strengths (2 metrics)

Member Growth Rate

growth

Value: 10.91%

Peer Median: 1.03%

#5 of 167 Top 2.4% in 500M-750M tier

Total Members

engagement

Value: 49,719

Peer Median: 36,874

#18 of 167 Top 10.2% in 500M-750M tier

Top Weaknesses (5 metrics)

164

Share Certificate Concentration (%)

balance_sheet

Value: 40.92%

Peer Median: 26.29%

#164 of 167 Bottom 2.4% in 500M-750M tier

157

AMR Growth Rate

growth

Value: -3.45%

Peer Median: 4.03%

#157 of 167 Bottom 6.6% in 500M-750M tier

154

Fee Income Per Member

profitability

Value: $92.80

Peer Median: $178.80

#154 of 167 Bottom 8.4% in 500M-750M tier

145

Average Member Relationship (AMR)

engagement

Value: $19,874

Peer Median: $25,600

#145 of 167 Bottom 13.8% in 500M-750M tier

131

Loan-to-Member Ratio (LMR)

engagement

Value: $8,836

Peer Median: $11,231

#131 of 167 Bottom 22.2% in 500M-750M tier