BlastPoint's Credit Union Scorecard
EMERALD COAST
Charter #3388 · FL
EMERALD COAST has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.06% below tier average
- - Efficiency ratio 9.53% above tier (higher cost structure)
- - Member decline: -2.8% YoY
- - Net Worth Ratio: Bottom 4.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,276
-2.8% YoY-0.8% QoQ
|
+2.7K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
Top 12.6% in tier |
| Assets |
$64.3M
-3.7% YoY-2.2% QoQ
|
+$34.5M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Top 14.9% in tier |
| Loans |
$41.7M
-4.1% YoY-2.2% QoQ
|
+$25.9M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 9.4% in tier |
| Deposits |
$60.2M
-3.4% YoY-2.3% QoQ
|
+$34.8M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 11.7% in tier |
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| ROA |
-0.4%
-250.6% YoY+125.5% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.1% in tier |
| NIM |
3.6%
+4.9% YoY+2.4% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
37% |
| Efficiency Ratio |
90.9%
+2.4% YoY-0.2% QoQ
|
+9.5% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
1.3%
+16.2% YoY-27.4% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
69% |
| Loan To Share |
69.2%
-0.7% YoY+0.2% QoQ
|
+7.9% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
62% |
| AMR |
$19,313
-1.0% YoY-1.5% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
76% |
| CD Concentration |
21.0%
+7.6% YoY+3.5% QoQ
|
-3.4% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
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)