BlastPoint's Credit Union Scorecard
COASTHILLS
Charter #24957 · CA
COASTHILLS has 1 strength but faces 8 concerns
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How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.18% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 20.1% in tier
- - Shrinking Wallet Share: Bottom 92.4% in tier
- - Indirect Auto Dependency: Bottom 95.3% in tier
- - ROA 0.90% below tier average
- - Efficiency ratio 7.37% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.6% in tier
- - Net Charge-Off Rate: Bottom 3.9% in tier
- - Asset Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,931
+4.6% YoY+1.0% QoQ
|
-12.1K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
48% |
| Assets |
$1.8B
-2.4% YoY-0.4% QoQ
|
+$45.3M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
61% |
| Loans |
$1.3B
+1.1% YoY+1.2% QoQ
|
+$67.7M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits |
$1.5B
+0.5% YoY+1.3% QoQ
|
+$24.0M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
-0.2%
-176.5% YoY-163.8% QoQ
|
-0.9% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.0% in tier |
| NIM |
3.5%
+20.8% YoY+8.0% QoQ
|
+0.2% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
82.0%
+7.7% YoY+10.6% QoQ
|
+7.4% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
0.6%
-55.4% YoY-14.0% QoQ
|
-0.2 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
86.0%
+0.5% YoY-0.1% QoQ
|
+2.8% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$33,015
-3.6% YoY+0.2% QoQ
|
+$3K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
34.0%
-1.2% YoY+4.4% QoQ
|
+5.2% | 28.8% | 21.6% | 19.8% | 73% |
| Indirect Auto % |
26.8%
+3.0% YoY-0.1% QoQ
|
+8.7% | 18.1% | 9.0% | 7.7% | 71% |
Signature Analysis
Strengths (0)
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)