BlastPoint's Credit Union Scorecard
GULF COAST EDUCATORS
Charter #5648 · TX
GULF COAST EDUCATORS has 3 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 20.2% in tier
- + Organic Growth Engine: Top 24.5% in tier
- + Net Worth Ratio: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.9% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 0.88% above tier (higher cost structure)
- - Delinquency rate 0.02% above tier average
- - Share Certificate Concentration (%): Bottom 6.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
61,416
+2.9% YoY+1.5% QoQ
|
-37.3K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 14.8% in tier |
| Assets |
$1.3B
-1.2% YoY+3.1% QoQ
|
$-454.6M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$880.8M
-1.3% YoY+0.5% QoQ
|
$-352.3M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$1.0B
+11.6% YoY+4.6% QoQ
|
$-427.8M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
0.5%
+8.5% YoY+24.6% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
31% |
| NIM |
3.1%
+33.1% YoY+1.9% QoQ
|
-0.2% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
74.9%
+0.3% YoY-0.1% QoQ
|
+0.9% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.8%
+45.5% YoY+3.8% QoQ
|
+0.0 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
85.8%
-11.5% YoY-4.0% QoQ
|
+0.6% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$31,055
+2.2% YoY+1.2% QoQ
|
+$2K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
67% |
| CD Concentration |
42.9%
+12.0% YoY+6.7% QoQ
|
+13.9% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
Top 8.2% in tier |
| Indirect Auto % |
7.0%
-6.3% YoY-2.9% QoQ
|
-11.8% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
28% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)