BlastPoint's Credit Union Scorecard
COASTHILLS
Charter #24957 · CA
COASTHILLS has 1 strength but faces 10 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 80.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 42.3% in tier
- - Credit Quality Pressure: Bottom 43.8% in tier
- - Credit Risk Growth: Bottom 80.4% in tier
- - Wealth Migration Risk: Bottom 91.7% in tier
- - Indirect Auto Dependency: Bottom 94.4% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 0.12% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.0% in tier
- - Asset Growth Rate: Bottom 7.0% in tier
- - AMR Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,113
+4.7% YoY+1.0% QoQ
|
-14.3K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$1.8B
-2.1% YoY+0.2% QoQ
|
+$49.2M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$1.3B
+0.6% YoY-1.1% QoQ
|
+$32.2M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$1.5B
+1.3% YoY-0.1% QoQ
|
+$11.5M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
0.3%
+1239.4% YoY+14.0% QoQ
|
-0.4% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.6% in tier |
| NIM |
3.3%
+19.0% YoY+2.8% QoQ
|
-0.0% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
74.2%
-10.1% YoY-1.4% QoQ
|
+0.1% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.7%
+30.2% YoY+9.6% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
86.1%
-0.6% YoY-1.0% QoQ
|
+1.3% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$32,936
-3.6% YoY-1.6% QoQ
|
+$4K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
32.6%
-6.5% YoY-2.1% QoQ
|
+3.6% | 29.0% | 21.7% | 19.8% | 68% |
| Indirect Auto % |
26.8%
+2.8% YoY+4.3% QoQ
|
+8.5% | 18.3% | 9.2% | 7.8% | 70% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
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)