BlastPoint's Credit Union Scorecard
NORTH COAST
Charter #66734 · WA
NORTH COAST has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.32% above tier average
- + Net Interest Margin 0.17% above tier average
- + Total Assets: Top 7.7% in tier
- + Total Deposits: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,380
-1.4% YoY-0.3% QoQ
|
+4.9K |
15,437
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$420.8M
+10.3% YoY+2.1% QoQ
|
+$189.0M |
$231.9M
+1.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Top 7.8% in tier |
| Loans |
$263.3M
+4.6% YoY-0.4% QoQ
|
+$115.9M |
$147.3M
-0.1% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Top 11.3% in tier |
| Deposits |
$364.5M
+10.0% YoY+2.4% QoQ
|
+$163.7M |
$200.8M
+0.8% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Top 7.8% in tier |
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| ROA |
1.1%
-1.3% YoY+8.1% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
3.8%
-2.3% YoY-1.9% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
69.2%
+3.7% YoY-3.5% QoQ
|
-7.8% |
77.0%
-3.1% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.6%
-2.0% YoY+17.4% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
72.2%
-4.9% YoY-2.7% QoQ
|
+0.0% |
72.2%
-1.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$30,801
+9.3% YoY+1.5% QoQ
|
+$6K |
$24,676
+3.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
29.6%
+26.7% YoY+5.8% QoQ
|
+5.2% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
15.3%
-27.4% YoY-7.0% QoQ
|
+1.5% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)