BlastPoint's Credit Union Scorecard
EMERALD COAST
Charter #3388 · FL
EMERALD COAST has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.07% below tier average
- - Efficiency ratio 9.07% above tier (higher cost structure)
- - Member decline: -2.8% YoY
- - Net Worth Ratio: Bottom 4.4% in tier
- - Net Charge-Off Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,231
-2.8% YoY-0.9% QoQ
|
+2.6K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 12.5% in tier |
| Assets |
$63.7M
-0.3% YoY-1.0% QoQ
|
+$33.5M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$41.1M
-7.5% YoY-1.5% QoQ
|
+$25.3M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Top 9.5% in tier |
| Deposits |
$59.5M
-0.9% YoY-1.3% QoQ
|
+$33.8M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 12.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.4%
-22025.6% YoY+18.1% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.7% in tier |
| NIM |
3.6%
+4.5% YoY+1.9% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
91.6%
+1.9% YoY+0.8% QoQ
|
+9.1% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.6%
-62.8% YoY-56.7% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
69.0%
-6.6% YoY-0.2% QoQ
|
+8.4% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$19,218
-1.0% YoY-0.5% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
23.2%
+9.6% YoY+10.8% QoQ
|
-1.2% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 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)