BlastPoint's Credit Union Scorecard
COASTAL1
Charter #67278 · RI
COASTAL1 has 4 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does RI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 1.3% in tier
- + Total Delinquency Rate (60+ days): Top 2.6% in tier
- + Loan-to-Share Ratio: Top 6.5% in tier
- + Loan-to-Member Ratio (LMR): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.2% in tier
- - Indirect Auto Dependency: Bottom 73.1% in tier
- - ROA 0.20% below tier average
- - Net Interest Margin (NIM): Bottom 3.9% in tier
- - Share Certificate Concentration (%): Bottom 3.9% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 2 that size in Rhode Island.
- Shares and deposits +4.0% year over year ($2.74B in shares and deposits).
- Membership: 145,728 members, +2.6% vs a year ago.
- Delinquency rate 0.22%.
- Return on assets 0.73%.
- Efficiency ratio 69.01% vs a 69.45% peer average.
- Loan-to-share ratio 108.53% 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 (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
145,728
+2.6% YoY-0.8% QoQ
|
-70.8K |
216,545
-9.5% YoY
|
36,207
+1.5% YoY
|
34,678
+6.6% YoY
|
Bottom 11.7% in tier |
| Assets |
$3.5B
+2.7% YoY+0.6% QoQ
|
$-410.3M |
$3.9B
-1.6% YoY
|
$799.8M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$3.0B
+1.3% YoY+1.9% QoQ
|
+$38.1M |
$2.9B
-1.2% YoY
|
$674.3M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$2.7B
+4.0% YoY+0.7% QoQ
|
$-521.4M |
$3.3B
-2.6% YoY
|
$660.1M
+3.9% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
0.7%
+60.4% YoY+52.9% QoQ
|
-0.2% |
0.9%
+25.3% YoY
|
0.6%
+34.2% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
2.1%
+17.0% YoY+2.8% QoQ
|
-1.2% |
3.2%
+3.8% YoY
|
3.1%
+8.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
69.0%
-10.5% YoY-9.1% QoQ
|
-0.4% |
69.5%
-2.3% YoY
|
83.1%
-1.8% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.2%
-26.0% YoY+24.8% QoQ
|
-0.6 |
0.8%
+5.5% YoY
|
0.6%
-10.1% YoY
|
1.3%
+2.6% YoY
|
Top 2.6% in tier |
| Loan To Share |
108.5%
-2.6% YoY+1.2% QoQ
|
+18.3% |
90.2%
+0.9% YoY
|
77.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
Top 7.8% in tier |
| AMR |
$39,149
-0.0% YoY+2.1% QoQ
|
+$8K |
$31,018
+6.9% YoY
|
$27,022
+3.9% YoY
|
$20,028
-0.9% YoY
|
83% |
| CD Concentration |
48.3%
-0.1% YoY+0.7% QoQ
|
+19.2% | 29.1% | 27.0% | 20.0% | Top 3.2% in tier |
| Indirect Auto % |
24.9%
+2.9% YoY+2.7% QoQ
|
+6.8% | 18.1% | 10.6% | 7.7% | 69% |
Signature Analysis
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)