BlastPoint's Credit Union Scorecard

COAST CENTRAL

Charter #62367 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 in CA

View Mid-Market leaderboard →

COAST CENTRAL has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 41.8% in tier
+ ROA 0.10% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 17.9% in tier
- Credit Risk Growth: Bottom 25.5% in tier
- Indirect Auto Dependency: Bottom 62.4% in tier
- Net Interest Margin (NIM): Bottom 3.9% in tier
- Loan-to-Share Ratio: Bottom 4.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	80,982 +2.2% YoY+0.7% QoQ	-15.1K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	43%
Assets	$2.3B +3.9% YoY+1.4% QoQ	+$602.2M	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	79%
Loans	$1.1B +9.7% YoY-0.1% QoQ	$-85.1M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	53%
Deposits	$2.1B +4.1% YoY+1.6% QoQ	+$595.2M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +44.6% YoY+19.4% QoQ	+0.1%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	63%
NIM	2.3% +7.5% YoY+7.1% QoQ	-1.1%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 3.6% in tier
Efficiency Ratio	70.4% -4.8% YoY-2.7% QoQ	-4.2%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	32%
Delinquency Rate	0.5% +63.6% YoY-21.2% QoQ	-0.2	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	40%
Loan To Share	54.8% +5.4% YoY-1.7% QoQ	-28.4%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 4.2% in tier
AMR	$39,384 +3.8% YoY+0.3% QoQ	+$10K	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 10.8% in tier
CD Concentration	30.5% +0.6% YoY-0.7% QoQ	+1.7%	28.8%	21.6%	19.8%	58%
Indirect Auto %	18.6% -6.6% YoY-4.3% QoQ	+0.5%	18.1%	9.0%	7.7%	57%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#43 of 64 • Top 41.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.82%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $5.6K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk

#35 of 183 • Bottom 25.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.73%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.20% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#68 of 225 • Bottom 17.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.20% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#172 of 198 • Bottom 62.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.86%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 18.58%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.16%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (5 metrics)

Average Member Relationship (AMR)

engagement

Value: $39,384

Peer Median: $28,178

#33 of 306 Top 10.5% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.18%

Peer Median: 0.51%

#39 of 306 Top 12.4% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.06B

Peer Median: $1.31B

#54 of 306 Top 17.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.32B

Peer Median: $1.51B

#65 of 306 Top 20.9% in 1B-3B tier

Loan Growth Rate

growth

Value: 9.73%

Peer Median: 5.67%

#75 of 306 Top 24.2% in 1B-3B tier

Top Weaknesses (3 metrics)

295

Net Interest Margin (NIM)

profitability

Value: 2.28%

Peer Median: 3.37%

#295 of 306 Bottom 3.9% in 1B-3B tier

293

Loan-to-Share Ratio

balance_sheet

Value: 54.77%

Peer Median: 85.31%

#293 of 306 Bottom 4.6% in 1B-3B tier

246

Members Per Employee (MPE)

engagement

Value: 291.302

Peer Median: 345.077

#246 of 306 Bottom 19.9% in 1B-3B tier