BlastPoint's Credit Union Scorecard
COASTHILLS
Charter #24957 · CA
COASTHILLS has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 29.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.9% in tier
- - Shrinking Wallet Share: Bottom 15.5% in tier
- - Wealth Migration Risk: Bottom 17.4% in tier
- - Credit Risk Growth: Bottom 20.3% in tier
- - Indirect Auto Dependency: Bottom 30.5% in tier
- - ROA 0.45% below tier average
- - Efficiency ratio 1.25% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
82,257
+4.1% YoY+1.5% QoQ
|
-16.4K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$1.8B
-1.9% YoY-0.3% QoQ
|
+$50.4M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$1.3B
+1.3% YoY+0.1% QoQ
|
+$47.0M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$1.5B
+1.8% YoY+0.4% QoQ
|
+$17.7M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
0.3%
-3342.9% YoY+11.5% QoQ
|
-0.5% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.5% in tier |
| NIM |
3.2%
+18.2% YoY+5.7% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
75.2%
-9.5% YoY-1.5% QoQ
|
+1.2% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.6%
+44.0% YoY-55.6% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
87.0%
-0.5% YoY-0.3% QoQ
|
+1.8% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$33,458
-2.4% YoY-1.2% QoQ
|
+$4K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
79% |
| CD Concentration |
33.3%
-3.5% YoY-3.4% QoQ
|
+4.4% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
72% |
| Indirect Auto % |
25.7%
-3.3% YoY-1.6% QoQ
|
+6.9% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
68% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)