BlastPoint's Credit Union Scorecard
SOUTHERN COASTAL
Charter #24885 · MS
SOUTHERN COASTAL demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Net Interest Margin 1.18% above tier average
- + Loan-to-Share Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,607
+3.0% YoY+0.1% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
43% |
| Assets |
$13.6M
-0.4% YoY-1.2% QoQ
|
$-16.6M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
38% |
| Loans |
$9.6M
+9.4% YoY+0.7% QoQ
|
$-5.7M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$11.0M
-1.5% YoY-1.8% QoQ
|
$-14.8M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
38% |
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| ROA |
0.6%
-6.3% YoY-3.1% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
5.2%
+0.7% YoY+0.4% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
Top 9.3% in tier |
| Efficiency Ratio |
85.0%
-4.8% YoY-2.8% QoQ
|
-5.6% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
58% |
| Delinquency Rate |
0.5%
-43.2% YoY-1.4% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
42% |
| Loan To Share |
87.5%
+11.1% YoY+2.5% QoQ
|
+28.9% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 9.9% in tier |
| AMR |
$12,836
+0.2% YoY-0.8% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
28.6%
+7.0% YoY-0.9% QoQ
|
+4.3% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 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)