BlastPoint's Credit Union Scorecard

GULF COAST COMMUNITY

Charter #242 · MS

100M-500M

1070 CUs in 100M-500M nationally 10 in MS

GULF COAST COMMUNITY has 5 strengths but faces 8 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 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.88% above tier average
+ Fee Income Per Member: Top 2.1% in tier
+ Net Worth Ratio: Top 6.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- ROA 0.23% below tier average
- Efficiency ratio 8.05% above tier (higher cost structure)
- Delinquency rate 0.31% above tier average
- Net Charge-Off Rate: Bottom 3.2% in tier
- Members Per Employee (MPE): Bottom 5.4% in tier
- Average Member Relationship (AMR): Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	12,102 +0.9% YoY+0.2% QoQ	-3.0K	15,145 -2.5% YoY	14,925 +15.2% YoY	33,913 +5.7% YoY	44%
Assets	$126.3M +2.7% YoY-0.1% QoQ	$-105.5M	$231.7M +0.8% YoY	$177.9M +19.7% YoY	$578.3M +9.0% YoY	18%
Loans	$81.1M +6.4% YoY+1.0% QoQ	$-63.0M	$144.1M +0.2% YoY	$116.7M +17.0% YoY	$402.4M +8.7% YoY	25%
Deposits	$102.2M +2.8% YoY+0.3% QoQ	$-98.9M	$201.1M +0.4% YoY	$143.1M +20.8% YoY	$494.3M +9.1% YoY	Bottom 12.3% 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	0.5% +10.5% YoY+147.4% QoQ	-0.2%	0.7% +5.1% YoY	-8.8% -1402.3% YoY	0.4% -39.2% YoY	36%
NIM	4.5% +7.4% YoY+6.2% QoQ	+0.9%	3.6% +4.6% YoY	4.5% +3.7% YoY	3.8% +4.1% YoY	Top 9.5% in tier
Efficiency Ratio	86.1% -3.2% YoY-2.8% QoQ	+8.0%	78.0% -1.7% YoY	182.9% +107.2% YoY	84.6% +2.8% YoY	75%
Delinquency Rate	1.1% -7.8% YoY-39.7% QoQ	+0.3	0.8% +7.1% YoY	2.1% +3.6% YoY	1.2% +3.4% YoY	79%
Loan To Share	79.4% +3.4% YoY+0.7% QoQ	+8.9%	70.4% -0.4% YoY	65.1% -3.9% YoY	65.6% -1.4% YoY	67%
AMR	$15,149 +3.4% YoY+0.4% QoQ	$-10K	$24,918 +2.7% YoY	$12,313 +3.4% YoY	$19,920 +1.6% YoY	Bottom 9.4% in tier
CD Concentration	26.5% +4.3% YoY-1.0% QoQ	+2.3%	24.3%	19.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#325 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.93%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#321 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.93%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.50%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk

#74 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 86.07%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.05% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 0.93%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Liquidity Overhang

risk

#95 of 126 • Bottom 50.0% in tier

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

Why This Signature

Net Worth Ratio: 17.50%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 79.35%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 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 1070 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $351.80

Peer Median: $154.95

#24 of 1070 Top 2.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.50%

Peer Median: 11.45%

#66 of 1070 Top 6.1% in 100M-500M tier

102

Net Interest Margin (NIM)

profitability

Value: 4.51%

Peer Median: 3.62%

#102 of 1070 Top 9.4% in 100M-500M tier

Top Weaknesses (9 metrics)

1037

Net Charge-Off Rate

risk

Value: 1.68%

Peer Median: 0.35%

#1037 of 1070 Bottom 3.2% in 100M-500M tier

1013

Members Per Employee (MPE)

engagement

Value: 205.119

Peer Median: 309.176

#1013 of 1070 Bottom 5.4% in 100M-500M tier

969

Average Member Relationship (AMR)

engagement

Value: $15,149

Peer Median: $22,931

#969 of 1070 Bottom 9.5% in 100M-500M tier

938

Total Deposits

balance_sheet

Value: $102.22M

Peer Median: $171.29M

#938 of 1070 Bottom 12.4% in 100M-500M tier

915

First Mortgage Concentration (%)

balance_sheet

Value: 49.57%

Peer Median: 29.47%

#915 of 1070 Bottom 14.6% in 100M-500M tier

883

Total Assets

balance_sheet

Value: $126.26M

Peer Median: $196.57M

#883 of 1070 Bottom 17.6% in 100M-500M tier

852

Loan-to-Member Ratio (LMR)

engagement

Value: $6,703

Peer Median: $9,356

#852 of 1070 Bottom 20.5% in 100M-500M tier

846

Total Delinquency Rate (60+ days)

risk

Value: 1.08%

Peer Median: 0.61%

#846 of 1070 Bottom 21.0% in 100M-500M tier

804

Efficiency Ratio

profitability

Value: 86.07%

Peer Median: 78.68%

#804 of 1070 Bottom 25.0% in 100M-500M tier