BlastPoint's Credit Union Scorecard
GULF COAST COMMUNITY
Charter #242 · MS
GULF COAST COMMUNITY has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 31.2% in tier
- + Organic Growth Engine: Top 32.1% in tier
- + Net Interest Margin 0.64% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.5% in tier
- + Net Worth Ratio: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.7% in tier
- - Liquidity Overhang: Bottom 60.1% in tier
- - ROA 0.64% below tier average
- - Efficiency ratio 11.21% above tier (higher cost structure)
- - Delinquency rate 0.87% above tier average
- - Asset Growth Rate: Bottom 4.5% in tier
- - Net Charge-Off Rate: Bottom 5.7% in tier
- - Members Per Employee (MPE): Bottom 7.1% in tier
- - Average Member Relationship (AMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,053
+0.7% YoY+0.1% QoQ
|
-3.6K |
15,628
-3.4% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$123.5M
-4.2% YoY-0.5% QoQ
|
$-107.8M |
$231.3M
-0.0% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
15% |
| Loans |
$78.2M
+1.3% YoY+2.3% QoQ
|
$-69.6M |
$147.8M
-1.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$99.4M
+5.8% YoY-1.1% QoQ
|
$-100.9M |
$200.3M
-0.0% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.6% in tier |
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| ROA |
0.1%
+10.6% YoY+127.6% QoQ
|
-0.6% |
0.8%
+15.5% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.5% in tier |
| NIM |
4.2%
+11.5% YoY+2.4% QoQ
|
+0.6% |
3.6%
+6.9% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
88.5%
+2.8% YoY-0.6% QoQ
|
+11.2% |
77.3%
-3.0% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Top 13.2% in tier |
| Delinquency Rate |
1.7%
-2.8% YoY+36.0% QoQ
|
+0.9 |
0.9%
+7.6% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Top 10.4% in tier |
| Loan To Share |
78.7%
-4.2% YoY+3.4% QoQ
|
+6.0% |
72.7%
-1.5% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$14,733
+3.1% YoY+0.3% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.8% in tier |
| CD Concentration |
27.8%
+12.3% YoY+3.5% QoQ
|
+3.3% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)