BlastPoint's Credit Union Scorecard
COAST GUARD EMPLOYEES
Charter #62258 · LA
COAST GUARD EMPLOYEES has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 3.86% below tier average
- - Efficiency ratio 73.72% above tier (higher cost structure)
- - Delinquency rate 0.03% above tier average
- - Member decline: -4.1% YoY
- - Asset Growth Rate: Bottom 2.8% in tier
- - Deposit Growth Rate: Bottom 4.1% in tier
- - AMR Growth Rate: Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
615
-4.1% YoY+0.8% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$3.9M
-12.1% YoY+0.6% QoQ
|
$-26.2M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$1.4M
-14.4% YoY-5.3% QoQ
|
$-14.4M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.5% in tier |
| Deposits |
$3.3M
-12.7% YoY+0.4% QoQ
|
$-22.4M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
-3.2%
+342.2% YoY+17.0% QoQ
|
-3.9% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.8% in tier |
| NIM |
5.2%
+11.0% YoY-0.9% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 10.6% in tier |
| Efficiency Ratio |
156.3%
+36.4% YoY+6.3% QoQ
|
+73.7% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Top 1.8% in tier |
| Delinquency Rate |
1.6%
+203.2% YoY+213.8% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
41.5%
-2.0% YoY-5.7% QoQ
|
-19.1% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$7,481
-9.5% YoY-2.2% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
2.3%
+14.5% YoY-0.4% QoQ
|
-22.1% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 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)