BlastPoint's Credit Union Scorecard
COASTAL
Charter #18297 · NC
Coastal at VentureTech 2026 · Fort Worth
YOU MADE THE SET.
Coastal is one of 101 credit unions in the 2026 VentureTech card set. We also found Coastal's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.
CARD SET
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COASTAL
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PEER · AT VENTURETECH
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PEER · AT VENTURETECH
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COASTAL'S BIGGEST OPPORTUNITY
Coastal is headed to VentureTech in Fort Worth! Check out our trading card.
COASTAL at a glance
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
No key strengths identified
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 34.4% in tier
- - ROA 0.07% below tier average
The real pack is waiting in Fort Worth
- 1 CLEAR Your card arrived By email from Collier at BlastPoint
- 2 YOU ARE HERE Open your pack Right here on your Scorecard
- 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
- 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
- Where
- The BlastPoint booth, Omni Fort Worth
- Expo hall
- Mon Nov 16 and Tue Nov 17
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)