BlastPoint's Credit Union Scorecard

NORTH COAST

Charter #66734 · WA

100M-500M

1070 CUs in 100M-500M nationally 17 in WA

NORTH COAST has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

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
+ Total Assets: Top 6.6% in tier
+ Total Deposits: Top 6.9% in tier
+ Deposit Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.23% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	20,358 -1.4% YoY-0.1% QoQ	+5.2K	15,145 -2.5% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	78%
Assets	$429.7M +9.7% YoY+2.1% QoQ	+$198.0M	$231.7M +0.8% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	Top 6.7% in tier
Loans	$262.2M +3.7% YoY-0.4% QoQ	+$118.1M	$144.1M +0.2% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	Top 10.6% in tier
Deposits	$372.6M +9.8% YoY+2.2% QoQ	+$171.4M	$201.1M +0.4% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	Top 7.0% in tier

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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	0.5% -31.1% YoY-54.2% QoQ	-0.2%	0.7% +5.1% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	36%
NIM	3.6% -6.4% YoY-4.6% QoQ	+0.0%	3.6% +4.6% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	49%
Efficiency Ratio	76.1% -0.8% YoY+9.9% QoQ	-2.0%	78.0% -1.7% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	41%
Delinquency Rate	0.3% -34.4% YoY-37.9% QoQ	-0.4	0.8% +7.1% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	26%
Loan To Share	70.4% -5.5% YoY-2.5% QoQ	+0.0%	70.4% -0.4% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	47%
AMR	$31,182 +8.8% YoY+1.2% QoQ	+$6K	$24,918 +2.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	84%
CD Concentration	29.5% +26.3% YoY-0.3% QoQ	+5.2%	24.3%	22.5%	19.8%	50%
Indirect Auto %	14.3% -26.1% YoY-6.8% QoQ	+0.5%	13.8%	16.1%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#53 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.76%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.4K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#175 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.76%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (2)

Membership Headwinds

decline

#436 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#503 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.71%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.35%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | 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 1070 peers in tier

Top Strengths (9 metrics)

Total Assets

balance_sheet

Value: $429.67M

Peer Median: $196.57M

#72 of 1070 Top 6.6% in 100M-500M tier

Total Deposits

balance_sheet

Value: $372.55M

Peer Median: $171.29M

#75 of 1070 Top 6.9% in 100M-500M tier

106

Deposit Growth Rate

growth

Value: 9.79%

Peer Median: 3.30%

#106 of 1070 Top 9.8% in 100M-500M tier

113

Total Loans

balance_sheet

Value: $262.25M

Peer Median: $121.41M

#113 of 1070 Top 10.5% in 100M-500M tier

116

Asset Growth Rate

growth

Value: 9.74%

Peer Median: 3.91%

#116 of 1070 Top 10.7% in 100M-500M tier

141

AMR Growth Rate

growth

Value: 8.76%

Peer Median: 3.46%

#141 of 1070 Top 13.1% in 100M-500M tier

170

Average Member Relationship (AMR)

engagement

Value: $31,182

Peer Median: $22,931

#170 of 1070 Top 15.8% in 100M-500M tier

199

Loan-to-Member Ratio (LMR)

engagement

Value: $12,882

Peer Median: $9,356

#199 of 1070 Top 18.5% in 100M-500M tier

240

Total Members

engagement

Value: 20,358

Peer Median: 13,200

#240 of 1070 Top 22.3% in 100M-500M tier

Top Weaknesses (2 metrics)

843

Net Charge-Off Rate

risk

Value: 0.72%

Peer Median: 0.35%

#843 of 1070 Bottom 21.3% in 100M-500M tier

807

Fee Income Per Member

profitability

Value: $109.88

Peer Median: $154.95

#807 of 1070 Bottom 24.7% in 100M-500M tier