BlastPoint's Credit Union Scorecard
COASTAL
Charter #18297 · NC
COASTAL has 1 strength but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 56.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 34.4% in tier
- - ROA 0.07% below tier average
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 39 credit unions with $5B-$7B in assets nationally, and 1 of 2 that size in North Carolina.
- Shares and deposits +8.2% year over year ($5.36B in shares and deposits).
- Membership: 347,915 members, +1.7% vs a year ago.
- Delinquency rate 0.66%.
- Return on assets 0.86%.
- Efficiency ratio 64.41% vs a 65.18% peer average.
- Loan-to-share ratio 80.92% vs a 85.64% 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 (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
347,915
+1.7% YoY+0.8% QoQ
|
+37.0K |
310,918
+6.0% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$6.2B
+7.8% YoY+0.4% QoQ
|
+$442.0M |
$5.8B
-1.1% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$4.3B
+3.9% YoY+2.7% QoQ
|
+$137.9M |
$4.2B
-0.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$5.4B
+8.2% YoY+0.2% QoQ
|
+$466.4M |
$4.9B
-1.3% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
0.9%
+0.5% YoY+34.1% QoQ
|
-0.1% |
0.9%
+35.3% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
51% |
| NIM |
3.1%
-1.1% YoY+0.9% QoQ
|
-0.1% |
3.2%
+9.5% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
64.4%
+0.9% YoY-6.7% QoQ
|
-0.8% |
65.2%
-9.0% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
41% |
| Delinquency Rate |
0.7%
-17.8% YoY-11.8% QoQ
|
-0.1 |
0.8%
+23.8% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
80.9%
-3.9% YoY+2.5% QoQ
|
-4.7% |
85.6%
-0.2% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$27,879
+4.4% YoY+0.5% QoQ
|
$-4K |
$32,010
-7.3% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration |
30.9%
-1.9% YoY-5.1% QoQ
|
+2.6% | 28.3% | 21.4% | 20.0% | 58% |
| Indirect Auto % |
35.9%
-9.4% YoY-1.8% QoQ
|
+19.1% | 16.8% | 4.6% | 7.7% | Bottom 12.1% in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)