BlastPoint's Credit Union Scorecard

GULF COAST

Charter #4060 · TX

1069 CUs in 100M-500M nationally 79 in TX

GULF COAST has 1 strength but faces 19 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

+ Loan-to-Share Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 13.0% in tier
- Deposit Outflow: Bottom 17.7% in tier
- Stagnation Risk: Bottom 36.2% in tier
- Accelerating Exit Risk: Bottom 50.9% in tier
- Institutional Decline: Bottom 53.1% in tier
- Indirect Auto Dependency: Bottom 74.3% in tier
- Liquidity Strain: Bottom 93.4% in tier
- Membership Headwinds: Bottom 99.8% in tier
- ROA 1.84% below tier average
- Delinquency rate 1.24% above tier average
- Share Certificate Concentration (%): Bottom 0.7% in tier
- Net Charge-Off Rate: Bottom 1.6% in tier
- Net Worth Ratio: Bottom 1.6% in tier
- Loan Growth Rate: Bottom 1.9% in tier
- Asset Growth Rate: Bottom 2.2% in tier
- AMR Growth Rate: Bottom 2.2% in tier
- Deposit Growth Rate: Bottom 3.7% in tier
- Total Delinquency Rate (60+ days): Bottom 6.4% in tier
- Members Per Employee (MPE): Bottom 6.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	18,686 -0.5% YoY-0.1% QoQ	+3.2K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	71%
Assets	$277.1M -5.5% YoY-4.8% QoQ	+$45.2M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	69%
Loans	$236.2M -11.1% YoY-2.2% QoQ	+$88.9M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	83%
Deposits	$254.9M -4.6% YoY-4.3% QoQ	+$54.0M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	72%

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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	-1.1% -1.9% YoY+115.2% QoQ	-1.8%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Bottom 1.2% in tier
NIM	3.4% +18.7% YoY+4.2% QoQ	-0.2%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	35%
Efficiency Ratio	76.8% -9.9% YoY+1.2% QoQ	-0.2%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	49%
Delinquency Rate	2.1% -7.4% YoY+7.0% QoQ	+1.2	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	Top 6.4% in tier
Loan To Share	92.7% -6.8% YoY+2.1% QoQ	+20.5%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	Top 9.8% in tier
AMR	$26,280 -7.4% YoY-3.2% QoQ	+$2K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	68%
CD Concentration	52.9% +2.2% YoY-1.4% QoQ	+28.5%	24.4%	21.2%	19.8%	50%
Indirect Auto %	34.9% -17.0% YoY-4.7% QoQ	+21.1%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Shrinking Wallet Share

decline

#28 of 208 • Bottom 13.0% in tier

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

Why This Signature

AMR Growth (YoY): -7.36%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank worsening

Deposit Outflow

decline

#13 of 69 • Bottom 17.7% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -4.62%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): -0.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Stagnation Risk

risk

#201 of 554 • Bottom 36.2% 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): -0.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -11.09%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 2.13%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Accelerating Exit Risk

decline

#29 of 56 • Bottom 50.9% in tier

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

Why This Signature

Member Growth (YoY): -0.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -7.36%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Institutional Decline

decline

#128 of 240 • Bottom 53.1% in tier

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

Why This Signature

Total Assets: $277.09M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -0.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -11.09%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Indirect Auto Dependency

risk

#376 of 506 • Bottom 74.3% in tier

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

Why This Signature

Asset Growth (YoY): -5.51%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 34.87%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Liquidity Strain

risk

#213 of 228 • Bottom 93.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.69%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -11.09%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Membership Headwinds

decline

#553 of 554 • Bottom 99.8% in tier

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

Why This Signature

Member Growth (YoY): -0.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (4 metrics)

105

Loan-to-Share Ratio

balance_sheet

Value: 92.69%

Peer Median: -

#105 of 1069 Top 9.7% in 100M-500M tier

178

Total Loans

balance_sheet

Value: $236.22M

Peer Median: -

#178 of 1069 Top 16.6% in 100M-500M tier

217

Loan-to-Member Ratio (LMR)

engagement

Value: $12,641

Peer Median: -

#217 of 1069 Top 20.2% in 100M-500M tier

242

Fee Income Per Member

profitability

Value: $222.57

Peer Median: -

#242 of 1069 Top 22.5% in 100M-500M tier

Top Weaknesses (11 metrics)

1062

Share Certificate Concentration (%)

balance_sheet

Value: 52.89%

Peer Median: -

#1062 of 1069 Bottom 0.7% in 100M-500M tier

1056

Return on Assets (ROA)

profitability

Value: -1.08%

Peer Median: -

#1056 of 1069 Bottom 1.3% in 100M-500M tier

1053

Net Charge-Off Rate

risk

Value: 2.03%

Peer Median: -

#1053 of 1069 Bottom 1.6% in 100M-500M tier

1053

Net Worth Ratio

risk

Value: 7.44%

Peer Median: -

#1053 of 1069 Bottom 1.6% in 100M-500M tier

1050

Loan Growth Rate

growth

Value: -11.09%

Peer Median: -

#1050 of 1069 Bottom 1.9% in 100M-500M tier

1047

Asset Growth Rate

growth

Value: -5.51%

Peer Median: -

#1047 of 1069 Bottom 2.2% in 100M-500M tier

1047

AMR Growth Rate

growth

Value: -7.36%

Peer Median: -

#1047 of 1069 Bottom 2.2% in 100M-500M tier

1030

Deposit Growth Rate

growth

Value: -4.62%

Peer Median: -

#1030 of 1069 Bottom 3.7% in 100M-500M tier

1002

Total Delinquency Rate (60+ days)

risk

Value: 2.13%

Peer Median: -

#1002 of 1069 Bottom 6.4% in 100M-500M tier

1002

Members Per Employee (MPE)

engagement

Value: 209.955

Peer Median: -

#1002 of 1069 Bottom 6.4% in 100M-500M tier