BlastPoint's Credit Union Scorecard
COASTAL
Charter #18297 · NC
COASTAL has 1 strength but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 65.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23.4% in tier
- - Indirect Auto Dependency: Bottom 29.7% in tier
- - Credit Risk Growth: Bottom 59.4% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 2.50% above tier (higher cost structure)
- - Delinquency rate 0.05% above tier average
- - Fee Income Per Member: Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
345,251
+1.8% YoY+0.5% QoQ
|
+37.5K |
307,793
+7.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
73% |
| Assets |
$6.2B
+8.5% YoY+2.9% QoQ
|
+$439.5M |
$5.8B
-0.2% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$4.2B
+3.7% YoY+0.5% QoQ
|
+$69.8M |
$4.2B
+0.4% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
49% |
| Deposits |
$5.3B
+9.0% YoY+3.5% QoQ
|
+$453.9M |
$4.9B
+0.2% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
76% |
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| ROA |
0.6%
-3.6% YoY-24.8% QoQ
|
-0.2% |
0.9%
+47.0% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
3.1%
-1.4% YoY-2.3% QoQ
|
-0.1% |
3.2%
+9.8% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
43% |
| Efficiency Ratio |
69.1%
+3.4% YoY+8.1% QoQ
|
+2.5% |
66.6%
-11.0% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
54% |
| Delinquency Rate |
0.8%
+16.9% YoY-4.2% QoQ
|
+0.1 |
0.7%
+23.3% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
65% |
| Loan To Share |
79.0%
-4.8% YoY-2.9% QoQ
|
-5.7% |
84.7%
-0.7% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
22% |
| AMR |
$27,731
+4.7% YoY+1.6% QoQ
|
$-5K |
$32,237
-7.3% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
30% |
| CD Concentration |
32.6%
+5.0% YoY-1.2% QoQ
|
+4.0% | 28.6% | 21.2% | 19.8% | 64% |
| Indirect Auto % |
36.5%
-8.5% YoY-1.8% QoQ
|
+20.2% | 16.4% | 4.9% | 7.7% | Bottom 10.6% 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 (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)