BlastPoint's Credit Union Scorecard
GULF SHORE
Charter #2442 · TX
GULF SHORE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Efficiency ratio 1.18% above tier (higher cost structure)
- - Delinquency rate 0.55% above tier average
- - Member decline: -4.1% YoY
- - Net Charge-Off Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,144
-4.1% YoY-0.5% QoQ
|
+518 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$27.6M
-0.7% YoY-1.1% QoQ
|
$-2.3M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$12.8M
-6.4% YoY-4.5% QoQ
|
$-3.0M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
57% |
| Deposits |
$23.6M
-0.7% YoY-1.0% QoQ
|
$-1.8M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
58% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-35.3% YoY-20.3% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
31% |
| NIM |
3.8%
+0.5% YoY-0.9% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
82.6%
+7.0% YoY-0.1% QoQ
|
+1.2% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
2.1%
-37.6% YoY-32.0% QoQ
|
+0.6 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
54.1%
-5.8% YoY-3.6% QoQ
|
-7.1% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$11,574
+1.4% YoY-1.7% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
14.1%
+29.4% YoY+5.1% QoQ
|
-10.3% |
24.4%
+4.2% YoY
|
20.9%
+7.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)