BlastPoint's Credit Union Scorecard
CALIFORNIA COAST
Charter #66584 · CA
CALIFORNIA COAST has 3 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + Total Delinquency Rate (60+ days): Top 9.0% in tier
- + Net Worth Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.1% in tier
- - Credit Quality Pressure: Bottom 30.3% in tier
- - Credit Risk Growth: Bottom 68.2% in tier
- - Shrinking Wallet Share: Bottom 78.9% in tier
- - Indirect Auto Dependency: Bottom 81.3% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 21.26% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
212,497
+1.9% YoY+1.2% QoQ
|
-7.9K |
220,435
-7.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$3.5B
+1.6% YoY+2.1% QoQ
|
$-446.1M |
$3.9B
-1.5% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$2.3B
+2.7% YoY+1.8% QoQ
|
$-554.5M |
$2.9B
-1.1% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.1% in tier |
| Deposits |
$3.1B
+0.3% YoY+2.2% QoQ
|
$-239.5M |
$3.3B
-2.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
36% |
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| ROA |
0.3%
-42.0% YoY-57.1% QoQ
|
-0.4% |
0.7%
+10.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
3.3%
+7.1% YoY-0.2% QoQ
|
+0.1% |
3.2%
+4.6% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
56% |
| Efficiency Ratio |
92.5%
+10.6% YoY+17.1% QoQ
|
+21.3% |
71.3%
-2.6% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.8% in tier |
| Delinquency Rate |
0.2%
+87.5% YoY-9.3% QoQ
|
-0.5 |
0.7%
+9.2% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 9.0% in tier |
| Loan To Share |
76.5%
+2.4% YoY-0.4% QoQ
|
-11.5% |
88.0%
+0.9% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
18% |
| AMR |
$25,398
-0.5% YoY+0.8% QoQ
|
$-5K |
$30,672
+5.5% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration |
32.3%
+8.0% YoY+3.4% QoQ
|
+3.5% | 28.8% | 21.6% | 19.8% | 67% |
| Indirect Auto % |
21.1%
-3.0% YoY+5.1% QoQ
|
+3.0% | 18.1% | 9.0% | 7.7% | 63% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)