BlastPoint's Credit Union Scorecard
GULF COAST COMMUNITY
Charter #242 · MS
GULF COAST COMMUNITY has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Net Interest Margin 0.90% above tier average
- + Fee Income Per Member: Top 2.2% in tier
- + Net Worth Ratio: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 7.02% above tier (higher cost structure)
- - Delinquency rate 0.34% above tier average
- - Net Charge-Off Rate: Bottom 6.6% in tier
- - Members Per Employee (MPE): Bottom 7.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Mississippi.
- Shares and deposits +1.0% year over year ($101M in shares and deposits).
- Membership: 12,113 members, +0.6% vs a year ago.
- Delinquency rate 1.22%.
- Return on assets 0.47%.
- Efficiency ratio 83.75% vs a 76.73% peer average.
- Loan-to-share ratio 82.03% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,113
+0.6% YoY+0.1% QoQ
|
-3.1K |
15,168
-2.6% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
45% |
| Assets |
$125.5M
+1.2% YoY-0.6% QoQ
|
$-106.5M |
$232.0M
+0.7% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$83.2M
+8.8% YoY+2.6% QoQ
|
$-63.1M |
$146.3M
+0.2% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$101.4M
+1.0% YoY-0.8% QoQ
|
$-99.3M |
$200.7M
+0.2% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.5% in tier |
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| ROA |
0.5%
+619.1% YoY-5.5% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
4.6%
+11.0% YoY+1.6% QoQ
|
+0.9% |
3.7%
+4.5% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 8.9% in tier |
| Efficiency Ratio |
83.8%
-5.9% YoY-2.7% QoQ
|
+7.0% |
76.7%
-0.8% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
1.2%
-4.2% YoY+12.6% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
82.0%
+7.8% YoY+3.4% QoQ
|
+10.5% |
71.5%
-0.3% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
69% |
| AMR |
$15,244
+3.8% YoY+0.6% QoQ
|
$-10K |
$25,107
+3.2% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.0% in tier |
| CD Concentration |
27.5%
+2.4% YoY+3.5% QoQ
|
+2.9% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—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)