BlastPoint's Credit Union Scorecard
COAST CENTRAL
Charter #62367 · CA
COAST CENTRAL has 4 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 62.5% in tier
- + Organic Growth Leader: Top 73.0% in tier
- + Organic Growth Engine: Top 74.8% in tier
- + Average Member Relationship (AMR): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 21.5% in tier
- - Credit Quality Pressure: Bottom 46.2% in tier
- - Indirect Auto Dependency: Bottom 83.1% in tier
- - ROA 0.00% below tier average
- - Loan-to-Share Ratio: Bottom 3.6% in tier
- - Net Interest Margin (NIM): Bottom 4.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
80,401
+2.1% YoY+0.7% QoQ
|
-17.0K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$2.3B
+4.8% YoY+0.6% QoQ
|
+$565.7M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$1.1B
+10.5% YoY+5.5% QoQ
|
$-104.6M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$2.0B
+4.9% YoY+0.5% QoQ
|
+$569.2M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
0.7%
+3.8% YoY+2.7% QoQ
|
-0.0% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
2.1%
+5.7% YoY+1.1% QoQ
|
-1.1% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio |
72.4%
-1.6% YoY-0.5% QoQ
|
-1.7% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.7%
+30.5% YoY+138.7% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
55.7%
+5.4% YoY+5.0% QoQ
|
-29.1% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.3% in tier |
| AMR |
$39,282
+4.6% YoY+1.5% QoQ
|
+$10K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 10.3% in tier |
| CD Concentration |
30.7%
+3.0% YoY+0.0% QoQ
|
+1.7% | 29.0% | 21.7% | 19.8% | 58% |
| Indirect Auto % |
19.4%
-5.9% YoY+9.4% QoQ
|
+1.1% | 18.3% | 9.2% | 7.8% | 58% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)