BlastPoint's Credit Union Scorecard

COAST LINE

Charter #60646 · ME

<100M
2508 CUs in <100M nationally 9 in ME

COAST LINE demonstrates 6 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.31% above tier average
  • + Average Member Relationship (AMR): Top 3.3% in tier
  • + Total Assets: Top 4.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.7% in tier
  • + Efficiency Ratio: Top 7.3% in tier
  • + Total Deposits: Top 7.3% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 3,307
-1.6% YoY+0.1% QoQ
+630 2,676
+1.6% YoY
16,050
+1.9% YoY
33,913
+5.7% YoY
72%
Assets $89.3M
+6.9% YoY-0.1% QoQ
+$59.1M $30.2M
+1.3% YoY
$279.7M
+5.3% YoY
$578.3M
+9.0% YoY
Top 4.1% in tier
Loans $36.7M
-4.0% YoY-2.0% QoQ
+$21.4M $15.3M
-2.0% YoY
$190.6M
+4.6% YoY
$402.4M
+8.7% YoY
Top 12.2% in tier
Deposits $68.8M
+7.8% YoY-0.2% QoQ
+$43.0M $25.8M
+0.7% YoY
$245.5M
+5.2% YoY
$494.3M
+9.1% YoY
Top 7.3% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.5%
-7.3% YoY-4.5% QoQ
+1.3% 0.1%
-77.6% YoY
0.8%
+5.6% YoY
0.4%
-39.2% YoY
84%
NIM 2.9%
-4.1% YoY-1.0% QoQ
-1.1% 4.0%
+4.0% YoY
3.5%
+1.0% YoY
3.8%
+4.1% YoY
16%
Efficiency Ratio 54.5%
+1.5% YoY+1.8% QoQ
-36.2% 90.6%
+6.5% YoY
77.8%
-1.1% YoY
84.6%
+2.8% YoY
Top 7.3% in tier
Delinquency Rate 0.5%
+125.1% YoY+50.8% QoQ
-1.0 1.5%
+3.8% YoY
0.7%
+13.3% YoY
1.2%
+3.4% YoY
44%
Loan To Share 53.4%
-11.0% YoY-1.8% QoQ
-5.1% 58.5%
-3.0% YoY
72.9%
-1.6% YoY
65.6%
-1.4% YoY
42%
AMR $31,885
+5.1% YoY-0.9% QoQ
+$17K $14,884
-1.7% YoY
$25,927
+3.7% YoY
$19,920
+1.6% YoY
Top 3.3% in tier
CD Concentration 29.0%
-2.4% YoY+1.7% QoQ
+4.7% 24.3% 25.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 16.4% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (11 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
84
Average Member Relationship (AMR)
engagement
Value: $31,885
Peer Median: $13,926
#84 of 2508 Top 3.3% in <100M tier
102
Total Assets
balance_sheet
Value: $89.28M
Peer Median: $21.86M
#102 of 2508 Top 4.0% in <100M tier
144
Loan-to-Member Ratio (LMR)
engagement
Value: $11,095
Peer Median: $4,923
#144 of 2508 Top 5.7% in <100M tier
184
Efficiency Ratio
profitability
Value: 54.46%
Peer Median: 81.45%
#184 of 2508 Top 7.3% in <100M tier
184
Total Deposits
balance_sheet
Value: $68.76M
Peer Median: $18.77M
#184 of 2508 Top 7.3% in <100M tier
307
Total Loans
balance_sheet
Value: $36.69M
Peer Median: $9.48M
#307 of 2508 Top 12.2% in <100M tier
327
Deposit Growth Rate
growth
Value: 7.82%
Peer Median: 0.66%
#327 of 2508 Top 13.0% in <100M tier
381
Asset Growth Rate
growth
Value: 6.93%
Peer Median: 1.30%
#381 of 2508 Top 15.2% in <100M tier
405
Return on Assets (ROA)
profitability
Value: 1.45%
Peer Median: 0.61%
#405 of 2508 Top 16.1% in <100M tier

Top Weaknesses (3 metrics)

2177
First Mortgage Concentration (%)
balance_sheet
Value: 40.53%
Peer Median: 3.66%
#2177 of 2508 Bottom 13.2% in <100M tier
2118
Net Interest Margin (NIM)
profitability
Value: 2.90%
Peer Median: 3.83%
#2118 of 2508 Bottom 15.6% in <100M tier
2034
Share Certificate Concentration (%)
balance_sheet
Value: 29.00%
Peer Median: 12.45%
#2034 of 2508 Bottom 18.9% in <100M tier
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