BlastPoint's Credit Union Scorecard

GULF COAST COMMUNITY

Charter #242 · MS

1069 CUs in 100M-500M nationally 12 in MS

GULF COAST COMMUNITY has 6 strengths but faces 11 concerns

National Analysis

How does the industry compare?

MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 88.2% in tier
+ Organic Growth Engine: Top 95.5% in tier
+ Net Interest Margin 0.65% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Fee Income Per Member: Top 2.4% in tier
+ Net Worth Ratio: Top 6.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 19.0% in tier
- Credit Quality Pressure: Bottom 46.9% in tier
- Credit Risk Growth: Bottom 47.9% in tier
- Liquidity Overhang: Bottom 67.9% in tier
- ROA 0.56% below tier average
- Efficiency ratio 11.54% above tier (higher cost structure)
- Delinquency rate 0.90% above tier average
- Members Per Employee (MPE): Bottom 5.1% in tier
- Net Charge-Off Rate: Bottom 7.1% in tier
- Total Delinquency Rate (60+ days): Bottom 9.5% in tier
- Average Member Relationship (AMR): Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	12,079 +0.9% YoY+0.2% QoQ	-3.4K	15,437 -2.9% YoY	14,672 +15.4% YoY	33,374 +5.7% YoY	43%
Assets	$126.3M +6.1% YoY+2.3% QoQ	$-105.5M	$231.9M +1.3% YoY	$175.8M +23.7% YoY	$561.6M +9.7% YoY	17%
Loans	$80.3M +5.4% YoY+2.6% QoQ	$-67.1M	$147.3M -0.1% YoY	$116.9M +20.6% YoY	$397.0M +8.8% YoY	23%
Deposits	$101.9M +6.3% YoY+2.6% QoQ	$-98.9M	$200.8M +0.8% YoY	$139.2M +23.5% YoY	$477.3M +9.7% YoY	Bottom 11.9% in tier

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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	0.2% -441.3% YoY+35.2% QoQ	-0.6%	0.8% +18.2% YoY	0.8% +172.9% YoY	0.7% +15.9% YoY	Bottom 13.0% in tier
NIM	4.3% +6.4% YoY+0.5% QoQ	+0.6%	3.6% +6.7% YoY	4.4% +3.3% YoY	3.8% +5.1% YoY	83%
Efficiency Ratio	88.6% +2.3% YoY+0.1% QoQ	+11.5%	77.0% -3.1% YoY	79.5% -8.9% YoY	79.7% -3.3% YoY	Top 12.6% in tier
Delinquency Rate	1.8% +14.2% YoY+3.6% QoQ	+0.9	0.9% +4.2% YoY	2.7% -0.7% YoY	1.3% -2.1% YoY	Top 9.5% in tier
Loan To Share	78.8% -0.8% YoY+0.1% QoQ	+6.5%	72.2% -1.1% YoY	68.0% -1.8% YoY	67.4% -1.7% YoY	60%
AMR	$15,085 +4.9% YoY+2.4% QoQ	$-10K	$24,676 +3.4% YoY	$12,283 +3.8% YoY	$19,687 +2.0% YoY	Bottom 9.8% in tier
CD Concentration	26.8% +8.2% YoY-3.4% QoQ	+2.4%	24.4%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.5%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#376 of 426 • Top 88.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.90%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#568 of 595 • Top 95.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.90%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.20%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk

#103 of 538 • Bottom 19.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.56%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.26% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 0.90%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Quality Pressure

risk

#331 of 705 • Bottom 46.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.22% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Credit Risk Growth

risk

#219 of 456 • Bottom 47.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.40%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.22% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Liquidity Overhang

risk

#92 of 135 • Bottom 67.9% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.36%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 78.77%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $353.74

Peer Median: -

#27 of 1069 Top 2.4% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.36%

Peer Median: -

#70 of 1069 Top 6.5% in 100M-500M tier

177

Net Interest Margin (NIM)

profitability

Value: 4.25%

Peer Median: -

#177 of 1069 Top 16.5% in 100M-500M tier

Top Weaknesses (11 metrics)

1016

Members Per Employee (MPE)

engagement

Value: 204.729

Peer Median: -

#1016 of 1069 Bottom 5.1% in 100M-500M tier

994

Net Charge-Off Rate

risk

Value: 1.24%

Peer Median: -

#994 of 1069 Bottom 7.1% in 100M-500M tier

968

Total Delinquency Rate (60+ days)

risk

Value: 1.79%

Peer Median: -

#968 of 1069 Bottom 9.5% in 100M-500M tier

964

Average Member Relationship (AMR)

engagement

Value: $15,085

Peer Median: -

#964 of 1069 Bottom 9.9% in 100M-500M tier

942

Total Deposits

balance_sheet

Value: $101.92M

Peer Median: -

#942 of 1069 Bottom 12.0% in 100M-500M tier

935

Efficiency Ratio

profitability

Value: 88.56%

Peer Median: -

#935 of 1069 Bottom 12.6% in 100M-500M tier

930

Return on Assets (ROA)

profitability

Value: 0.20%

Peer Median: -

#930 of 1069 Bottom 13.1% in 100M-500M tier

890

First Mortgage Concentration (%)

balance_sheet

Value: 47.57%

Peer Median: -

#890 of 1069 Bottom 16.8% in 100M-500M tier

884

Total Assets

balance_sheet

Value: $126.32M

Peer Median: -

#884 of 1069 Bottom 17.4% in 100M-500M tier

867

Loan-to-Member Ratio (LMR)

engagement

Value: $6,647

Peer Median: -

#867 of 1069 Bottom 19.0% in 100M-500M tier