BlastPoint's Credit Union Scorecard
CALIFORNIA COAST
Charter #66584 · CA
CALIFORNIA COAST has 5 strengths but faces 4 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
- + ROA 0.23% above tier average
- + Net Interest Margin 0.07% above tier average
- + Total Delinquency Rate (60+ days): Top 5.2% in tier
- + Net Worth Ratio: Top 7.8% in tier
- + Fee Income Per Member: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 36.3% in tier
- - Credit Risk Growth: Bottom 57.3% in tier
- - Indirect Auto Dependency: Bottom 63.7% in tier
- - Efficiency ratio 5.60% above tier (higher cost structure)
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 77 credit unions with $3B-$5B in assets nationally, and 1 of 11 that size in California.
- Shares and deposits +2.5% year over year ($3.05B in shares and deposits).
- Membership: 211,695 members, +2.3% vs a year ago.
- Delinquency rate 0.26%.
- Return on assets 1.16%.
- Efficiency ratio 75.05% vs a 69.45% peer average.
- Loan-to-share ratio 78.23% vs a 90.24% 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 |
211,695
+2.3% YoY-0.4% QoQ
|
-4.9K |
216,545
-9.5% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$3.5B
+3.6% YoY+0.2% QoQ
|
$-426.0M |
$3.9B
-1.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$2.4B
+4.6% YoY+2.0% QoQ
|
$-544.7M |
$2.9B
-1.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.0% in tier |
| Deposits |
$3.1B
+2.5% YoY-0.3% QoQ
|
$-206.5M |
$3.3B
-2.6% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
1.2%
+90.3% YoY+251.0% QoQ
|
+0.2% |
0.9%
+25.3% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
3.3%
+3.3% YoY-0.7% QoQ
|
+0.1% |
3.2%
+3.8% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
53% |
| Efficiency Ratio |
75.0%
-8.6% YoY-18.9% QoQ
|
+5.6% |
69.5%
-2.3% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
0.3%
+54.3% YoY+9.5% QoQ
|
-0.6 |
0.8%
+5.5% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 5.2% in tier |
| Loan To Share |
78.2%
+2.1% YoY+2.3% QoQ
|
-12.0% |
90.2%
+0.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$25,684
+1.1% YoY+1.1% QoQ
|
$-5K |
$31,018
+6.9% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
33.6%
+11.1% YoY+4.0% QoQ
|
+4.5% | 29.1% | 22.2% | 20.0% | 70% |
| Indirect Auto % |
22.0%
+2.5% YoY+4.1% QoQ
|
+3.9% | 18.1% | 9.2% | 7.7% | 65% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)