BlastPoint's Credit Union Scorecard
CORAL COMMUNITY
Charter #22159 · FL
CORAL COMMUNITY has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Efficiency ratio 23.24% above tier (higher cost structure)
- - Member decline: -4.4% YoY
- - Net Worth Ratio: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,583
-4.4% YoY-1.5% QoQ
|
+967 |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$39.5M
-4.2% YoY-1.7% QoQ
|
+$9.4M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$23.8M
-5.0% YoY-1.5% QoQ
|
+$8.1M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$35.7M
-4.7% YoY-1.5% QoQ
|
+$10.0M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
71% |
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| ROA |
-0.3%
-33.1% YoY+5.4% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.2% in tier |
| NIM |
3.1%
+7.5% YoY+3.2% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
105.8%
+0.1% YoY-0.4% QoQ
|
+23.2% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Top 7.7% in tier |
| Delinquency Rate |
0.1%
-94.1% YoY-34.6% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
66.7%
-0.3% YoY+0.0% QoQ
|
+6.1% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$16,616
-0.5% YoY-0.1% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
30.1%
+0.9% YoY-1.8% QoQ
|
+5.6% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)