BlastPoint's Credit Union Scorecard

EMERALD COAST

Charter #3388 · FL

<100M

2508 CUs in <100M nationally 35 in FL

EMERALD COAST has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Loans: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 3.90% above tier (higher cost structure)
- Member decline: -3.7% YoY
- Net Worth Ratio: Bottom 4.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	5,164 -3.7% YoY-1.3% QoQ	+2.5K	2,676 +1.6% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	Top 12.3% in tier
Assets	$64.2M -1.4% YoY+0.9% QoQ	+$34.0M	$30.2M +1.3% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	85%
Loans	$40.1M -7.5% YoY-2.3% QoQ	+$24.8M	$15.3M -2.0% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	Top 9.4% in tier
Deposits	$60.0M -1.6% YoY+0.9% QoQ	+$34.2M	$25.8M +0.7% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	Top 12.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -125.8% QoQ	+0.0%	0.1% -77.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	26%
NIM	3.5% +1.3% YoY-2.9% QoQ	-0.5%	4.0% +4.0% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	94.5% +1.1% YoY+3.2% QoQ	+3.9%	90.6% +6.5% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	0.3% -59.5% YoY-47.0% QoQ	-1.2	1.5% +3.8% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	35%
Loan To Share	66.9% -6.0% YoY-3.2% QoQ	+8.4%	58.5% -3.0% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	62%
AMR	$19,383 -0.4% YoY+0.9% QoQ	+$4K	$14,884 -1.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	75%
CD Concentration	22.8% +12.2% YoY-1.9% QoQ	-1.5%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

236

Total Loans

balance_sheet

Value: $40.11M

Peer Median: $9.48M

#236 of 2508 Top 9.4% in <100M tier

305

Total Deposits

balance_sheet

Value: $59.98M

Peer Median: $18.77M

#305 of 2508 Top 12.1% in <100M tier

308

Total Members

engagement

Value: 5,164

Peer Median: 1,918

#308 of 2508 Top 12.2% in <100M tier

367

Fee Income Per Member

profitability

Value: $138.21

Peer Median: $60.42

#367 of 2508 Top 14.6% in <100M tier

379

Total Assets

balance_sheet

Value: $64.20M

Peer Median: $21.86M

#379 of 2508 Top 15.1% in <100M tier

481

Loan-to-Member Ratio (LMR)

engagement

Value: $7,768

Peer Median: $4,923

#481 of 2508 Top 19.1% in <100M tier

616

Average Member Relationship (AMR)

engagement

Value: $19,383

Peer Median: $13,926

#616 of 2508 Top 24.5% in <100M tier

Top Weaknesses (3 metrics)

2397

Net Worth Ratio

risk

Value: 7.86%

Peer Median: 14.28%

#2397 of 2508 Bottom 4.5% in <100M tier

1952

Net Charge-Off Rate

risk

Value: 0.62%

Peer Median: 0.07%

#1952 of 2508 Bottom 22.2% in <100M tier

1938

Efficiency Ratio

profitability

Value: 94.54%

Peer Median: 81.45%

#1938 of 2508 Bottom 22.8% in <100M tier