BlastPoint's Credit Union Scorecard
CALIFORNIA COAST
Charter #66584 · CA
CALIFORNIA COAST has 5 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
- + Organic Growth Engine: Top 82.5% in tier
- + ROA 0.06% above tier average
- + Net Interest Margin 0.19% above tier average
- + Total Delinquency Rate (60+ days): Top 7.9% in tier
- + Net Worth Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 56.7% in tier
- - Shrinking Wallet Share: Bottom 74.4% in tier
- - Deposit Outflow: Bottom 77.8% in tier
- - Credit Risk Growth: Bottom 89.0% in tier
- - Indirect Auto Dependency: Bottom 92.8% in tier
- - Efficiency ratio 7.62% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
210,042
+1.3% YoY+0.6% QoQ
|
-20.3K |
230,353
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$3.4B
+1.1% YoY+1.1% QoQ
|
$-544.6M |
$3.9B
+0.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$2.3B
+0.6% YoY+1.5% QoQ
|
$-636.8M |
$2.9B
-0.2% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.2% in tier |
| Deposits |
$3.0B
-0.6% YoY+1.0% QoQ
|
$-318.0M |
$3.3B
-0.3% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
32% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+19.6% YoY-7.6% QoQ
|
+0.1% |
0.7%
+16.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
3.3%
+11.6% YoY+0.8% QoQ
|
+0.2% |
3.1%
+9.8% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
79.0%
-4.2% YoY+0.8% QoQ
|
+7.6% |
71.4%
-1.4% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.3%
+70.6% YoY+127.6% QoQ
|
-0.6 |
0.9%
+5.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.9% in tier |
| Loan To Share |
76.8%
+1.1% YoY+0.5% QoQ
|
-12.1% |
88.9%
-0.2% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.5% in tier |
| AMR |
$25,191
-1.4% YoY+0.6% QoQ
|
$-4K |
$29,682
+1.5% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
31.3%
+6.4% YoY+0.6% QoQ
|
+2.2% | 29.0% | 21.7% | 19.8% | 62% |
| Indirect Auto % |
20.1%
-9.8% YoY-1.7% QoQ
|
+1.8% | 18.3% | 9.2% | 7.8% | 59% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)