BlastPoint's Credit Union Scorecard
COAST GUARD EMPLOYEES
Charter #62258 · LA
COAST GUARD EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
Key Concerns
Areas that may need attention
- - ROA 8.18% below tier average
- - Efficiency ratio 170.95% above tier (higher cost structure)
- - Delinquency rate 1.45% above tier average
- - Member decline: -5.0% YoY
- - Asset Growth Rate: Bottom 1.5% in tier
- - Net Charge-Off Rate: Bottom 2.0% in tier
- - Deposit Growth Rate: Bottom 2.5% in tier
- - Loan Growth Rate: Bottom 3.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
585
-5.0% YoY-4.9% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$3.7M
-17.2% YoY-6.5% QoQ
|
$-26.5M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.8% in tier |
| Loans |
$1.2M
-27.1% YoY-14.0% QoQ
|
$-14.1M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.6% in tier |
| Deposits |
$3.1M
-15.9% YoY-4.0% QoQ
|
$-22.7M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
-8.0%
+348.2% YoY+148.4% QoQ
|
-8.2% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.0% in tier |
| NIM |
4.5%
-6.2% YoY-12.8% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
261.6%
+101.6% YoY+67.4% QoQ
|
+171.0% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
3.0%
+4607.0% YoY+86.6% QoQ
|
+1.4 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.8% in tier |
| Loan To Share |
37.2%
-13.4% YoY-10.4% QoQ
|
-21.3% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
19% |
| AMR |
$7,321
-15.0% YoY-2.1% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration |
2.4%
+18.9% YoY+4.1% QoQ
|
-21.9% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)