BlastPoint's Credit Union Scorecard
GULF COAST
Charter #4060 · TX
GULF COAST faces 15 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 3.6% in tier
- - Deposit Outflow: Bottom 22.5% in tier
- - Indirect Auto Dependency: Bottom 22.5% in tier
- - Liquidity Strain: Bottom 33.1% in tier
- - ROA 1.29% below tier average
- - Delinquency rate 1.13% above tier average
- - Share Certificate Concentration (%): Bottom 0.6% in tier
- - Loan Growth Rate: Bottom 2.4% in tier
- - Members Per Employee (MPE): Bottom 2.6% in tier
- - AMR Growth Rate: Bottom 2.7% in tier
- - Net Worth Ratio: Bottom 2.7% in tier
- - Asset Growth Rate: Bottom 3.5% in tier
- - Net Charge-Off Rate: Bottom 3.6% in tier
- - Deposit Growth Rate: Bottom 4.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,701
-0.5% YoY-1.1% QoQ
|
+3.1K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$291.2M
-5.1% YoY-1.2% QoQ
|
+$59.9M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$241.6M
-11.7% YoY-3.5% QoQ
|
+$93.8M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
84% |
| Deposits |
$266.2M
-4.2% YoY-1.3% QoQ
|
+$65.9M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
74% |
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| ROA |
-0.5%
-18.8% YoY-6.4% QoQ
|
-1.3% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.0% in tier |
| NIM |
3.2%
+22.0% YoY+5.9% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
75.9%
-2.1% YoY-4.0% QoQ
|
-1.3% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
2.0%
-0.3% YoY+7.9% QoQ
|
+1.1 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 7.1% in tier |
| Loan To Share |
90.7%
-7.8% YoY-2.2% QoQ
|
+18.0% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 14.2% in tier |
| AMR |
$27,153
-7.4% YoY-1.3% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
53.6%
+5.2% YoY+0.1% QoQ
|
+29.2% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
36.6%
-15.1% YoY-5.4% QoQ
|
+22.6% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)