BlastPoint's Credit Union Scorecard

COAST CENTRAL

Charter #62367 · CA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 40 in CA

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COAST CENTRAL has 6 strengths but faces 4 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

+ Organic Growth Engine: Top 25.1% in tier
+ Organic Growth Leader: Top 26.0% in tier
+ Relationship Depth Leader: Top 34.8% in tier
+ Credit Quality Leader: Top 44.7% in tier
+ Wallet Share Momentum: Top 74.8% in tier
+ Average Member Relationship (AMR): Top 9.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 21.3% in tier
- ROA 0.04% below tier average
- Loan-to-Share Ratio: Bottom 3.0% in tier
- Net Interest Margin (NIM): Bottom 4.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	79,843 +1.9% YoY+0.7% QoQ	-18.8K	98,678 -1.9% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	40%
Assets	$2.3B +7.7% YoY+1.3% QoQ	+$556.4M	$1.7B +0.5% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	78%
Loans	$1.1B +6.7% YoY+2.6% QoQ	$-162.2M	$1.2B +0.5% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	46%
Deposits	$2.0B +8.8% YoY+2.0% QoQ	+$564.6M	$1.5B +1.3% YoY	$1.0B +8.8% YoY	$464.6M +9.3% 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	0.7% +3.1% YoY+13.5% QoQ	-0.0%	0.7% +13.4% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	50%
NIM	2.1% +3.7% YoY-0.5% QoQ	-1.2%	3.3% +9.3% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	Bottom 3.9% in tier
Efficiency Ratio	72.7% -3.1% YoY-2.0% QoQ	-1.3%	74.0% -10.9% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	40%
Delinquency Rate	0.3% -34.2% YoY-76.2% QoQ	-0.5	0.8% +6.1% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 10.5% in tier
Loan To Share	53.0% -1.9% YoY+0.5% QoQ	-32.2%	85.2% -0.8% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Bottom 2.6% in tier
AMR	$38,699 +6.0% YoY+1.5% QoQ	+$10K	$29,172 +2.8% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	Top 10.2% in tier
CD Concentration	30.7% +5.5% YoY-1.2% QoQ	+1.8%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	61%
Indirect Auto %	17.8% -18.0% YoY-6.4% QoQ	-1.0%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	52%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#183 of 246 • Top 25.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.91%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.66%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 17.75%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth

#103 of 138 • Top 26.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.91%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 17.75%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | New qualifier

Relationship Depth Leader

growth

#24 of 67 • Top 34.8% 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): 6.01%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $5.6K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | Rank improving

Credit Quality Leader

growth

#43 of 95 • Top 44.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.28%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.15% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Wallet Share Momentum

growth

#87 of 116 • Top 74.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.01%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#132 of 202 • Bottom 21.3% in tier

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

Why This Signature

Asset Growth (YoY): 7.66%

(Tier: 5.36%, National: 3.04%)

but better than tier avg

Indirect Auto %: 17.75%

(Tier: 18.77%, National: 7.90%)

but better than tier avg

Member Growth (YoY): 1.91%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (8 metrics)

Average Member Relationship (AMR)

engagement

Value: $38,699

Peer Avg: -

#31 of 304 Top 9.9% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Avg: -

#33 of 304 Top 10.5% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.02B

Peer Avg: -

#54 of 304 Top 17.4% in 1B-3B tier

Deposit Growth Rate

growth

Value: 8.76%

Peer Avg: -

#58 of 304 Top 18.8% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.28%

Peer Avg: -

#64 of 304 Top 20.7% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.28B

Peer Avg: -

#66 of 304 Top 21.4% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.01%

Peer Avg: -

#72 of 304 Top 23.4% in 1B-3B tier

Asset Growth Rate

growth

Value: 7.66%

Peer Avg: -

#73 of 304 Top 23.7% in 1B-3B tier

Top Weaknesses (3 metrics)

296

Loan-to-Share Ratio

balance_sheet

Value: 53.04%

Peer Avg: -

#296 of 304 Bottom 3.0% in 1B-3B tier

292

Net Interest Margin (NIM)

profitability

Value: 2.11%

Peer Avg: -

#292 of 304 Bottom 4.3% in 1B-3B tier

257

Members Per Employee (MPE)

engagement

Value: 286.176

Peer Avg: -

#257 of 304 Bottom 15.8% in 1B-3B tier