BlastPoint's Credit Union Scorecard

GULF COAST

Charter #4060 · TX

100M-500M

1024 CUs in 100M-500M nationally 74 in TX

GULF COAST has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.28% above tier average
+ Loan-to-Share Ratio: Top 3.6% in tier
+ Fee Income Per Member: Top 7.7% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.42% below tier average

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
Shares and deposits -12.6% year over year ($236M in shares and deposits).
Membership: 17,603 members, -7.0% vs a year ago.
Delinquency rate 1.31%.
Return on assets 0.44%.
Efficiency ratio 69.10% vs a 76.73% peer average.
Loan-to-share ratio 97.70% vs a 71.54% 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 (TX)	National Avg	Tier Percentile
Members	17,603 -7.0% YoY-3.6% QoQ	+2.4K	15,168 -2.6% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	68%
Assets	$259.8M -11.8% YoY-1.9% QoQ	+$27.8M	$232.0M +0.7% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	66%
Loans	$230.3M -8.0% YoY-0.7% QoQ	+$84.1M	$146.3M +0.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	83%
Deposits	$235.8M -12.6% YoY-2.6% QoQ	+$35.1M	$200.7M +0.2% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	68%

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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	0.4% -181.9% YoY	-0.4%	0.9% +12.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	24%
NIM	4.0% +30.2% YoY+4.8% QoQ	+0.3%	3.7% +4.5% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	69%
Efficiency Ratio	69.1% -12.6% YoY+5.4% QoQ	-7.6%	76.7% -0.8% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	24%
Delinquency Rate	1.3% -29.1% YoY+60.1% QoQ	+0.4	0.9% +6.6% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	81%
Loan To Share	97.7% +5.3% YoY+1.9% QoQ	+26.2%	71.5% -0.3% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	Top 3.7% in tier
AMR	$26,479 -3.7% YoY+2.0% QoQ	+$1K	$25,107 +3.2% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	68%
CD Concentration	50.0% -6.7% YoY-3.6% QoQ	+25.4%	24.6%	21.6%	20.0%	50%
Indirect Auto %	33.2% -14.1% YoY-2.4% QoQ	+19.6%	13.6%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Stagnation Risk

risk

#13 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.95%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -8.02%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.31%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#3 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -6.95%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -3.72%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Institutional Decline

decline

#14 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $259.79M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -6.95%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -8.02%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Membership Headwinds

decline

#79 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.95%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#74 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.72%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank worsening

Liquidity Strain

risk

#137 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 97.70%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -8.02%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#313 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -11.84%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 33.25%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -6.95%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (5 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 97.70%

Peer Median: 73.07%

#38 of 1024 Top 3.6% in 100M-500M tier

Fee Income Per Member

profitability

Value: $273.86

Peer Median: $159.88

#80 of 1024 Top 7.7% in 100M-500M tier

175

Total Loans

balance_sheet

Value: $230.34M

Peer Median: $124.04M

#175 of 1024 Top 17.0% in 100M-500M tier

196

Loan-to-Member Ratio (LMR)

engagement

Value: $13,085

Peer Median: $9,434

#196 of 1024 Top 19.0% in 100M-500M tier

248

Efficiency Ratio

profitability

Value: 69.10%

Peer Median: 77.26%

#248 of 1024 Top 24.1% in 100M-500M tier

Top Weaknesses (12 metrics)

1022

Deposit Growth Rate

growth

Value: -12.63%

Peer Median: 3.58%

#1022 of 1024 Bottom 0.3% in 100M-500M tier

1019

Asset Growth Rate

growth

Value: -11.84%

Peer Median: 4.12%

#1019 of 1024 Bottom 0.6% in 100M-500M tier

1006

Share Certificate Concentration (%)

balance_sheet

Value: 50.00%

Peer Median: 23.39%

#1006 of 1024 Bottom 1.9% in 100M-500M tier

986

Net Charge-Off Rate

risk

Value: 1.46%

Peer Median: 0.34%

#986 of 1024 Bottom 3.8% in 100M-500M tier

982

Loan Growth Rate

growth

Value: -8.02%

Peer Median: 3.02%

#982 of 1024 Bottom 4.2% in 100M-500M tier

975

Members Per Employee (MPE)

engagement

Value: 202.333

Peer Median: 310.924

#975 of 1024 Bottom 4.9% in 100M-500M tier

974

Net Worth Ratio

risk

Value: 8.35%

Peer Median: 11.71%

#974 of 1024 Bottom 5.0% in 100M-500M tier

965

AMR Growth Rate

growth

Value: -3.72%

Peer Median: 3.53%

#965 of 1024 Bottom 5.9% in 100M-500M tier

964

Member Growth Rate

growth

Value: -6.95%

Peer Median: -0.03%

#964 of 1024 Bottom 6.0% in 100M-500M tier

894

Indirect Auto Concentration (%)

balance_sheet

Value: 33.25%

Peer Median: 6.15%

#894 of 1024 Bottom 12.8% in 100M-500M tier