BlastPoint's Credit Union Scorecard

NORTH COAST

Charter #66734 · WA

100M-500M

1024 CUs in 100M-500M nationally 15 in WA

NORTH COAST has 5 strengths but faces 4 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
+ Net Interest Margin 0.06% above tier average
+ Total Deposits: Top 6.9% in tier
+ Total Assets: Top 7.4% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Washington.
Shares and deposits +8.5% year over year ($372M in shares and deposits).
Membership: 20,048 members, -1.8% vs a year ago.
Delinquency rate 0.67%.
Return on assets 0.83%.
Efficiency ratio 71.58% vs a 76.73% peer average.
Loan-to-share ratio 70.99% vs a 71.54% 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 (WA)	National Avg	Tier Percentile
Members	20,048 -1.8% YoY-1.5% QoQ	+4.9K	15,168 -2.6% YoY	69,472 +6.3% YoY	34,678 +6.6% YoY	77%
Assets	$426.7M +7.7% YoY-0.7% QoQ	+$194.7M	$232.0M +0.7% YoY	$1.3B +8.7% YoY	$593.1M +10.2% YoY	Top 7.5% in tier
Loans	$263.9M +0.4% YoY+0.6% QoQ	+$117.7M	$146.3M +0.2% YoY	$968.5M +8.7% YoY	$418.6M +10.1% YoY	Top 10.9% in tier
Deposits	$371.8M +8.5% YoY-0.2% QoQ	+$171.1M	$200.7M +0.2% YoY	$1.1B +8.8% YoY	$504.8M +10.3% 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	0.8% -17.6% YoY+67.8% QoQ	+0.0%	0.9% +12.5% YoY	0.7% +22.8% YoY	1.2% +121.4% YoY	55%
NIM	3.7% -4.3% YoY+4.0% QoQ	+0.1%	3.7% +4.5% YoY	3.8% +3.6% YoY	3.8% +2.3% YoY	55%
Efficiency Ratio	71.6% -1.0% YoY-5.9% QoQ	-5.2%	76.7% -0.8% YoY	77.5% +0.3% YoY	83.0% -5.3% YoY	31%
Delinquency Rate	0.7% +26.4% YoY+93.0% QoQ	-0.2	0.9% +6.6% YoY	0.9% -3.0% YoY	1.3% +2.6% YoY	48%
Loan To Share	71.0% -7.5% YoY+0.8% QoQ	-0.6%	71.5% -0.3% YoY	76.2% -1.2% YoY	66.4% -1.4% YoY	46%
AMR	$31,710 +6.9% YoY+1.7% QoQ	+$7K	$25,107 +3.2% YoY	$29,351 +3.2% YoY	$20,028 -0.9% YoY	84%
CD Concentration	29.4% +10.5% YoY-0.4% QoQ	+4.8%	24.6%	22.7%	20.0%	50%
Indirect Auto %	13.1% -25.1% YoY-8.2% QoQ	-0.5%	13.6%	16.0%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#86 of 262 • 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): 6.92%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.4K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#299 of 483 • 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): 6.92%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (4)

Stagnation Risk

risk

#324 of 549 • 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): -1.81%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 0.38%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.67%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#422 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Membership Headwinds

decline

#361 of 549 • 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): -1.81%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Margin Compression

decline

#121 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.83%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

ROA (Prior Year): 1.01%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.18% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | 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 1024 peers in tier

Top Strengths (9 metrics)

Total Deposits

balance_sheet

Value: $371.79M

Peer Median: $170.77M

#72 of 1024 Top 6.9% in 100M-500M tier

Total Assets

balance_sheet

Value: $426.68M

Peer Median: $196.38M

#77 of 1024 Top 7.4% in 100M-500M tier

112

Total Loans

balance_sheet

Value: $263.93M

Peer Median: $124.04M

#112 of 1024 Top 10.8% in 100M-500M tier

142

Deposit Growth Rate

growth

Value: 8.51%

Peer Median: 3.58%

#142 of 1024 Top 13.8% in 100M-500M tier

161

Average Member Relationship (AMR)

engagement

Value: $31,710

Peer Median: $23,006

#161 of 1024 Top 15.6% in 100M-500M tier

190

Loan-to-Member Ratio (LMR)

engagement

Value: $13,165

Peer Median: $9,434

#190 of 1024 Top 18.5% in 100M-500M tier

198

Asset Growth Rate

growth

Value: 7.70%

Peer Median: 4.12%

#198 of 1024 Top 19.2% in 100M-500M tier

230

AMR Growth Rate

growth

Value: 6.92%

Peer Median: 3.53%

#230 of 1024 Top 22.4% in 100M-500M tier

232

Total Members

engagement

Value: 20,048

Peer Median: 13,128

#232 of 1024 Top 22.6% in 100M-500M tier

Top Weaknesses (2 metrics)

786

Fee Income Per Member

profitability

Value: $114.49

Peer Median: $159.88

#786 of 1024 Bottom 23.3% in 100M-500M tier

770

Net Charge-Off Rate

risk

Value: 0.62%

Peer Median: 0.34%

#770 of 1024 Bottom 24.9% in 100M-500M tier