BlastPoint's Credit Union Scorecard
COASTAL1
Charter #67278 · RI
COASTAL1 has 4 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 2.6% in tier
- + Net Charge-Off Rate: Top 2.6% in tier
- + Loan-to-Share Ratio: Top 5.1% in tier
- + Loan-to-Member Ratio (LMR): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.9% in tier
- - Indirect Auto Dependency: Bottom 75.3% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 4.67% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 3.8% in tier
- - Share Certificate Concentration (%): Bottom 3.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
146,898
+2.2% YoY+0.9% QoQ
|
-73.5K |
220,435
-7.6% YoY
|
36,204
+9.0% YoY
|
33,913
+5.7% YoY
|
Bottom 11.5% in tier |
| Assets |
$3.5B
+2.5% YoY+1.5% QoQ
|
$-444.2M |
$3.9B
-1.5% YoY
|
$787.6M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
31% |
| Loans |
$2.9B
-0.4% YoY+0.3% QoQ
|
+$21.2M |
$2.9B
-1.1% YoY
|
$657.2M
+10.2% YoY
|
$402.4M
+8.7% YoY
|
49% |
| Deposits |
$2.7B
+4.4% YoY+2.0% QoQ
|
$-581.5M |
$3.3B
-2.5% YoY
|
$658.7M
+12.2% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
0.5%
+15.6% YoY-8.3% QoQ
|
-0.3% |
0.7%
+10.6% YoY
|
0.4%
+126.0% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
2.0%
+16.9% YoY+8.3% QoQ
|
-1.2% |
3.2%
+4.6% YoY
|
3.0%
+2.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
75.9%
-3.2% YoY+2.7% QoQ
|
+4.7% |
71.3%
-2.6% YoY
|
87.4%
-0.7% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
0.2%
-21.1% YoY-50.8% QoQ
|
-0.6 |
0.7%
+9.2% YoY
|
0.4%
-7.6% YoY
|
1.2%
+3.4% YoY
|
Top 2.6% in tier |
| Loan To Share |
107.3%
-4.6% YoY-1.6% QoQ
|
+19.3% |
88.0%
+0.9% YoY
|
77.1%
+1.0% YoY
|
65.6%
-1.4% YoY
|
Top 6.4% in tier |
| AMR |
$38,330
-0.3% YoY+0.2% QoQ
|
+$8K |
$30,672
+5.5% YoY
|
$26,738
+8.0% YoY
|
$19,920
+1.6% YoY
|
83% |
| CD Concentration |
48.0%
+0.4% YoY-1.9% QoQ
|
+19.1% | 28.8% | 27.4% | 19.8% | Top 2.9% in tier |
| Indirect Auto % |
24.2%
-0.7% YoY+0.8% QoQ
|
+6.1% | 18.1% | 10.6% | 7.7% | 68% |
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)