BlastPoint's Credit Union Scorecard
COASTAL
Charter #18297 · NC
COASTAL has 5 strengths but faces 4 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 84.2% in tier
- + Organic Growth Engine: Top 90.6% in tier
- + ROA 0.03% above tier average
- + Net Interest Margin 0.11% above tier average
- + Members Per Employee (MPE): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.0% in tier
- - Credit Quality Pressure: Bottom 55.6% in tier
- - Credit Risk Growth: Bottom 80.0% in tier
- - Delinquency rate 0.01% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
343,471
+1.9% YoY+0.4% QoQ
|
+51.1K |
292,342
-2.4% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$6.0B
+9.5% YoY+3.5% QoQ
|
+$287.1M |
$5.7B
-0.2% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$4.2B
+3.3% YoY-0.2% QoQ
|
+$39.4M |
$4.2B
-1.6% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$5.2B
+9.8% YoY+3.7% QoQ
|
+$323.2M |
$4.8B
+0.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
0.9%
+12.1% YoY-10.2% QoQ
|
+0.0% |
0.8%
+27.9% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.2%
-0.1% YoY-1.3% QoQ
|
+0.1% |
3.0%
+8.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
63.9%
-3.7% YoY+2.7% QoQ
|
-3.4% |
67.3%
-3.7% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.8%
+9.6% YoY+18.6% QoQ
|
+0.0 |
0.8%
+17.5% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
81.3%
-6.0% YoY-3.8% QoQ
|
-4.6% |
85.9%
-2.6% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$27,295
+4.8% YoY+1.5% QoQ
|
$-7K |
$34,289
+3.5% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
33.0%
+5.1% YoY+6.2% QoQ
|
+3.8% | 29.1% | 21.7% | 19.8% | 63% |
| Indirect Auto % |
37.2%
-6.7% YoY-3.6% QoQ
|
+20.1% | 17.1% | 5.1% | 7.8% | Top 10.4% in tier |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)