BlastPoint's Credit Union Scorecard
COASTAL
Charter #18297 · NC
COASTAL has 4 strengths but faces 3 concerns
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How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 28.4% in tier
- + Emerging Performer: Top 65.0% in tier
- + ROA 0.15% above tier average
- + Net Interest Margin 0.29% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.0% in tier
- - Delinquency rate 0.04% above tier average
- - Indirect Auto Concentration (%): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
342,227
+2.2% YoY+0.1% QoQ
|
+52.5K |
289,724
-2.8% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$5.8B
+8.9% YoY+0.8% QoQ
|
+$32.9M |
$5.8B
+0.2% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$4.2B
+3.2% YoY+1.0% QoQ
|
+$131.8M |
$4.1B
-3.1% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
47% |
| Deposits |
$5.0B
+9.3% YoY+0.6% QoQ
|
+$98.2M |
$4.9B
+2.2% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
62% |
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| ROA |
0.9%
+6.4% YoY+11.0% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
3.2%
-0.2% YoY+1.6% QoQ
|
+0.3% |
2.9%
+3.9% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
71% |
| Efficiency Ratio |
62.2%
-4.7% YoY-2.6% QoQ
|
-5.9% |
68.1%
-1.7% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.7%
-2.6% YoY-18.0% QoQ
|
+0.0 |
0.6%
-2.2% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
84.5%
-5.6% YoY+0.4% QoQ
|
+0.9% |
83.6%
-5.7% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$26,885
+4.1% YoY+0.7% QoQ
|
$-8K |
$34,398
+4.0% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
31.1%
+1.0% YoY-1.4% QoQ
|
+2.2% |
28.9%
-1.3% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
61% |
| Indirect Auto % |
38.6%
-4.0% YoY-2.6% QoQ
|
+22.0% |
16.6%
-10.3% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
Top 7.8% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)