BlastPoint's Credit Union Scorecard
COAST LINE
Charter #60646 · ME
COAST LINE demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.90% above tier average
- + Average Member Relationship (AMR): Top 3.2% in tier
- + Total Assets: Top 4.1% in tier
- + Deposit Growth Rate: Top 5.0% in tier
- + Loan-to-Member Ratio (LMR): Top 5.8% in tier
- + Efficiency Ratio: Top 6.4% in tier
- + Total Deposits: Top 7.4% in tier
- + Asset Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,305
-1.9% YoY-0.1% QoQ
|
+689 |
2,615
-1.9% YoY
|
15,963
+1.6% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$89.3M
+9.7% YoY+3.6% QoQ
|
+$59.2M |
$30.1M
+2.1% YoY
|
$273.7M
+6.0% YoY
|
$561.6M
+9.7% YoY
|
Top 4.1% in tier |
| Loans |
$37.4M
-4.6% YoY-2.6% QoQ
|
+$21.7M |
$15.8M
-1.3% YoY
|
$190.1M
+4.4% YoY
|
$397.0M
+8.8% YoY
|
Top 12.3% in tier |
| Deposits |
$68.9M
+13.3% YoY+5.0% QoQ
|
+$43.2M |
$25.7M
+1.4% YoY
|
$239.3M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 7.4% in tier |
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| ROA |
1.5%
+2.0% YoY-4.0% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.9%
+5.3% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
2.9%
-1.2% YoY-2.3% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+4.8% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
53.5%
-3.5% YoY+1.5% QoQ
|
-29.1% |
82.6%
-2.3% YoY
|
76.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 6.4% in tier |
| Delinquency Rate |
0.3%
+42.7% YoY-21.4% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
0.8%
+17.6% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
54.3%
-15.8% YoY-7.3% QoQ
|
-6.3% |
60.6%
-3.1% YoY
|
74.9%
-2.1% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$32,175
+8.3% YoY+2.3% QoQ
|
+$17K |
$14,783
-1.4% YoY
|
$25,603
+4.2% YoY
|
$19,687
+2.0% YoY
|
Top 3.3% in tier |
| CD Concentration |
28.5%
-1.6% YoY-5.6% QoQ
|
+4.1% | 24.4% | 25.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 15.9% | 7.8% | 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)