BlastPoint's Credit Union Scorecard

SOUTHCOAST

Charter #22426 · MA

<100M

2556 CUs in <100M nationally 67 in MA

SOUTHCOAST faces 4 concerns requiring attention

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.20% below tier average
- Efficiency ratio 5.32% above tier (higher cost structure)
- Member decline: -2.2% YoY
- First Mortgage Concentration (%): Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	4,337 -2.2% YoY-0.9% QoQ	+1.7K	2,615 -1.9% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	81%
Assets	$60.0M +0.5% YoY+2.3% QoQ	+$29.8M	$30.1M +2.1% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	83%
Loans	$38.2M +10.5% YoY-0.2% QoQ	+$22.4M	$15.8M -1.3% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	Top 11.9% in tier
Deposits	$48.5M +1.0% YoY+3.0% QoQ	+$22.8M	$25.7M +1.4% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	81%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -29.2% YoY-4.0% QoQ	-0.2%	0.6% +10.8% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	36%
NIM	3.0% -1.8% YoY+1.7% QoQ	-0.9%	4.0% +4.0% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	19%
Efficiency Ratio	87.9% +5.6% YoY+0.6% QoQ	+5.3%	82.6% -2.3% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	70%
Delinquency Rate	0.3% -68.7% YoY-10.1% QoQ	-1.2	1.6% -3.1% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	32%
Loan To Share	78.8% +9.4% YoY-3.1% QoQ	+18.2%	60.6% -3.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	77%
AMR	$19,989 +7.3% YoY+2.5% QoQ	+$5K	$14,783 -1.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	79%
CD Concentration	4.3% +19.3% YoY-5.1% QoQ	-20.1%	24.4%	25.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

270

Loan Growth Rate

growth

Value: 10.45%

Peer Median: -

#270 of 2556 Top 10.5% in <100M tier

303

Total Loans

balance_sheet

Value: $38.20M

Peer Median: -

#303 of 2556 Top 11.8% in <100M tier

339

Loan-to-Member Ratio (LMR)

engagement

Value: $8,808

Peer Median: -

#339 of 2556 Top 13.2% in <100M tier

439

Total Assets

balance_sheet

Value: $59.99M

Peer Median: -

#439 of 2556 Top 17.1% in <100M tier

443

AMR Growth Rate

growth

Value: 7.27%

Peer Median: -

#443 of 2556 Top 17.3% in <100M tier

476

Total Members

engagement

Value: 4,337

Peer Median: -

#476 of 2556 Top 18.6% in <100M tier

481

Total Deposits

balance_sheet

Value: $48.49M

Peer Median: -

#481 of 2556 Top 18.8% in <100M tier

548

Average Member Relationship (AMR)

engagement

Value: $19,989

Peer Median: -

#548 of 2556 Top 21.4% in <100M tier

586

Loan-to-Share Ratio

balance_sheet

Value: 78.78%

Peer Median: -

#586 of 2556 Top 22.9% in <100M tier

Top Weaknesses (3 metrics)

2318

First Mortgage Concentration (%)

balance_sheet

Value: 46.52%

Peer Median: -

#2318 of 2556 Bottom 9.4% in <100M tier

2062

Net Interest Margin (NIM)

profitability

Value: 3.01%

Peer Median: -

#2062 of 2556 Bottom 19.4% in <100M tier

2018

Members Per Employee (MPE)

engagement

Value: 228.263

Peer Median: -

#2018 of 2556 Bottom 21.1% in <100M tier