BlastPoint's Credit Union Scorecard
COAST GUARD EMPLOYEES
Charter #62258 · LA
COAST GUARD EMPLOYEES has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.18% above tier average
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 127.73% above tier (higher cost structure)
- - Delinquency rate 3.46% above tier average
- - Member decline: -6.0% YoY
- - Loan Growth Rate: Bottom 1.8% in tier
- - Net Charge-Off Rate: Bottom 2.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 107 that size in Louisiana.
- Shares and deposits +1.3% year over year ($3.2M in shares and deposits).
- Membership: 568 members, -6.0% vs a year ago.
- Delinquency rate 5.01%.
- Return on assets 5.67%.
- Efficiency ratio 216.50% vs a 88.77% peer average.
- Loan-to-share ratio 29.68% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
568
-6.0% YoY-2.9% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
16% |
| Assets |
$3.7M
-5.4% YoY-0.1% QoQ
|
$-26.6M |
$30.3M
+1.5% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.4% in tier |
| Loans |
$944,280
-34.9% YoY-18.7% QoQ
|
$-14.5M |
$15.5M
-1.7% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.1% in tier |
| Deposits |
$3.2M
+1.3% YoY+1.9% QoQ
|
$-22.6M |
$25.8M
+1.1% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
5.7%
-287.1% YoY-170.6% QoQ
|
+4.2% |
1.5%
+241.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
Top 1.5% in tier |
| NIM |
4.3%
-4.8% YoY-4.3% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
216.5%
+38.0% YoY-17.2% QoQ
|
+127.7% |
88.8%
-6.9% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.1% in tier |
| Delinquency Rate |
5.0%
+77.3% YoY+69.6% QoQ
|
+3.5 |
1.5%
+2.1% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.4% in tier |
| Loan To Share |
29.7%
-35.8% YoY-20.3% QoQ
|
-29.2% |
58.9%
-3.1% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.8% in tier |
| AMR |
$7,265
-4.4% YoY-0.8% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
2.4%
-1.3% YoY-1.9% QoQ
|
-22.2% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.1% | 7.7% | 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)