BlastPoint's Credit Union Scorecard
COAST CENTRAL
Charter #62367 · CA
COAST CENTRAL has 2 strengths but faces 5 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 34.1% in tier
- + Average Member Relationship (AMR): Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 72.6% in tier
- - ROA 0.15% below tier average
- - Efficiency ratio 0.26% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 3.7% in tier
- - Loan-to-Share Ratio: Bottom 7.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +3.3% year over year ($2.04B in shares and deposits).
- Membership: 80,768 members, +1.8% vs a year ago.
- Delinquency rate 0.70%.
- Return on assets 0.67%.
- Efficiency ratio 73.28% vs a 73.02% peer average.
- Loan-to-share ratio 57.97% vs a 84.71% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
80,768
+1.8% YoY-0.3% QoQ
|
-16.1K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$2.3B
+2.7% YoY-0.6% QoQ
|
+$584.0M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$1.2B
+13.5% YoY+5.0% QoQ
|
$-49.5M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
55% |
| Deposits |
$2.0B
+3.3% YoY-0.8% QoQ
|
+$580.2M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
82% |
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| ROA |
0.7%
+14.5% YoY-17.7% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
39% |
| NIM |
2.2%
+5.7% YoY-2.0% QoQ
|
-1.2% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.3% in tier |
| Efficiency Ratio |
73.3%
-1.2% YoY+4.1% QoQ
|
+0.3% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.7%
-40.5% YoY+32.7% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
58.0%
+9.9% YoY+5.9% QoQ
|
-26.7% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.7% in tier |
| AMR |
$39,970
+4.9% YoY+1.5% QoQ
|
+$10K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 10.3% in tier |
| CD Concentration |
30.6%
-1.6% YoY+0.2% QoQ
|
+1.5% | 29.1% | 22.2% | 20.0% | 59% |
| Indirect Auto % |
17.1%
-9.7% YoY-7.9% QoQ
|
-1.0% | 18.1% | 9.2% | 7.7% | 54% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
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)