BlastPoint's Credit Union Scorecard

CALIFORNIA COAST

Charter #66584 · CA

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 10 in CA

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CALIFORNIA COAST has 6 strengths but faces 7 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

+ Credit Quality Leader: Top 8.5% in tier
+ Organic Growth Engine: Top 25.4% in tier
+ ROA 0.09% above tier average
+ Net Interest Margin 0.10% above tier average
+ Total Delinquency Rate (60+ days): Top 1.3% in tier
+ Net Worth Ratio: Top 6.6% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 11.4% in tier
- Shrinking Wallet Share: Bottom 12.5% in tier
- Credit Quality Pressure: Bottom 25.2% in tier
- Indirect Auto Dependency: Bottom 30.8% in tier
- Deposit Outflow: Bottom 39.1% in tier
- Efficiency ratio 7.11% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	208,804 +1.3% YoY+0.9% QoQ	-29.7K	238,465 +0.6% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	40%
Assets	$3.4B -1.2% YoY+0.2% QoQ	$-610.0M	$4.0B -0.1% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	17%
Loans	$2.3B -1.0% YoY-0.8% QoQ	$-755.7M	$3.0B +3.3% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	Bottom 9.2% in tier
Deposits	$3.0B -2.1% YoY-0.4% QoQ	$-370.0M	$3.3B +1.1% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	25%

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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% +17.0% YoY+36.7% QoQ	+0.1%	0.7% +5.3% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	54%
NIM	3.3% +12.7% YoY+3.4% QoQ	+0.1%	3.2% +13.7% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	53%
Efficiency Ratio	78.4% -3.9% YoY-4.5% QoQ	+7.1%	71.3% -0.6% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	83%
Delinquency Rate	0.1% +19.9% YoY-31.8% QoQ	-0.7	0.8% +15.9% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 1.3% in tier
Loan To Share	76.4% +1.2% YoY-0.3% QoQ	-14.5%	90.8% +2.0% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Bottom 11.8% in tier
AMR	$25,030 -2.9% YoY-1.5% QoQ	$-4K	$29,088 +0.1% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	33%
CD Concentration	31.1% +8.3% YoY+2.8% QoQ	+2.1%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	62%
Indirect Auto %	20.4% -9.1% YoY-4.7% QoQ	+1.6%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	59%

Signature Analysis

Strengths (2)

Credit Quality Leader

growth

#9 of 95 • Top 8.5% in tier

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

Why This Signature

Delinquency Rate: 0.12%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.02% 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

Organic Growth Engine

growth

#185 of 246 • Top 25.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.28%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.84%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 20.41%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

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

↑ Growing +14 CUs YoY | Rank worsening

Concerns (5)

Flatlined Growth

risk

#5 of 18 • Bottom 11.4% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -1.17%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Return on Assets: 0.84%

(Tier: 0.71%, National: 0.71%)

but better than tier avg

18 of 380 Mid-Market CUs have this signature | 82 nationally

→ Stable (18→18 CUs) | New qualifier

Shrinking Wallet Share

decline

#39 of 83 • Bottom 12.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.87%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | Rank improving

Credit Quality Pressure

risk

#194 of 217 • Bottom 25.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

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

but better than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#191 of 202 • Bottom 30.8% in tier

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

Why This Signature

Asset Growth (YoY): -1.17%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 20.41%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.28%

(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 worsening

Deposit Outflow

decline

#10 of 24 • Bottom 39.1% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.13%

(Tier: 6.24%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 1.28%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 109 nationally

↓ Shrinking -33 CUs YoY | New qualifier

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 76 peers in tier

Top Strengths (3 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Avg: -

#2 of 76 Top 1.3% in 3B-5B tier

Net Worth Ratio

risk

Value: 13.72%

Peer Avg: -

#6 of 76 Top 6.6% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.17%

Peer Avg: -

#10 of 76 Top 11.8% in 3B-5B tier

Top Weaknesses (9 metrics)

Deposit Growth Rate

growth

Value: -2.13%

Peer Avg: -

#70 of 76 Bottom 9.2% in 3B-5B tier

Total Loans

balance_sheet

Value: $2.26B

Peer Avg: -

#69 of 76 Bottom 10.5% in 3B-5B tier

Loan Growth Rate

growth

Value: -0.97%

Peer Avg: -

#67 of 76 Bottom 13.2% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 76.38%

Peer Avg: -

#67 of 76 Bottom 13.2% in 3B-5B tier

Efficiency Ratio

profitability

Value: 78.38%

Peer Avg: -

#64 of 76 Bottom 17.1% in 3B-5B tier

Asset Growth Rate

growth

Value: -1.17%

Peer Avg: -

#64 of 76 Bottom 17.1% in 3B-5B tier

AMR Growth Rate

growth

Value: -2.87%

Peer Avg: -

#64 of 76 Bottom 17.1% in 3B-5B tier

Total Assets

balance_sheet

Value: $3.36B

Peer Avg: -

#63 of 76 Bottom 18.4% in 3B-5B tier

Member Growth Rate

growth

Value: 1.28%

Peer Avg: -

#58 of 76 Bottom 25.0% in 3B-5B tier