BlastPoint's Credit Union Scorecard
COASTHILLS
Charter #24957 · CA
COASTHILLS has 1 strength but faces 6 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
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 85.8% in tier
- - Indirect Auto Dependency: Bottom 89.5% in tier
- - ROA 0.80% below tier average
- - Efficiency ratio 4.56% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.7% in tier
- - Net Charge-Off Rate: Bottom 3.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +2.3% year over year ($1.50B in shares and deposits).
- Membership: 84,724 members, +4.5% vs a year ago.
- Delinquency rate 0.67%.
- Return on assets 0.02%.
- Efficiency ratio 77.58% vs a 73.02% peer average.
- Loan-to-share ratio 88.39% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
84,724
+4.5% YoY+0.9% QoQ
|
-12.1K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$1.8B
-0.5% YoY+0.1% QoQ
|
+$41.9M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$1.3B
+3.7% YoY+3.5% QoQ
|
+$92.0M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$1.5B
+2.3% YoY+0.7% QoQ
|
+$37.0M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.0%
-91.7% YoY-110.3% QoQ
|
-0.8% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.1% in tier |
| NIM |
3.6%
+19.1% YoY+1.5% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
77.6%
+1.6% YoY-5.4% QoQ
|
+4.6% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.7%
-52.4% YoY+13.9% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
88.4%
+1.3% YoY+2.7% QoQ
|
+3.7% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
53% |
| AMR |
$33,363
-1.5% YoY+1.1% QoQ
|
+$4K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
33.8%
-1.9% YoY-0.6% QoQ
|
+4.7% | 29.1% | 22.2% | 20.0% | 71% |
| Indirect Auto % |
26.5%
+1.7% YoY-0.9% QoQ
|
+8.4% | 18.1% | 9.2% | 7.7% | 72% |
Signature Analysis
Strengths (0)
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)