BlastPoint's Credit Union Scorecard

COASTAL1

Charter #67278 · RI

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 2 in RI

View Mid-Market leaderboard →

COASTAL1 has 6 strengths but faces 10 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

RI Analysis

How does RI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 28.3% in tier
+ Credit Quality Leader: Top 29.8% in tier
+ Net Charge-Off Rate: Top 2.6% in tier
+ Loan-to-Share Ratio: Top 2.6% in tier
+ Loan-to-Member Ratio (LMR): Top 5.3% in tier
+ Total Delinquency Rate (60+ days): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 9.7% in tier
- Credit Quality Pressure: Bottom 23.8% in tier
- Indirect Auto Dependency: Bottom 27.4% in tier
- Credit Risk Growth: Bottom 28.4% in tier
- Flatlined Growth: Bottom 40.0% in tier
- ROA 0.24% below tier average
- Efficiency ratio 4.16% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 2.6% in tier
- Share Certificate Concentration (%): Bottom 3.9% in tier
- Total Members: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Members	144,318 +3.0% YoY+1.6% QoQ	-94.1K	238,465 +0.6% YoY	35,904 +9.4% YoY	33,089 +6.1% YoY	Bottom 6.6% in tier
Assets	$3.4B +1.9% YoY+0.4% QoQ	$-557.8M	$4.0B -0.1% YoY	$771.6M +10.6% YoY	$547.7M +7.8% YoY	18%
Loans	$2.9B +1.1% YoY+0.1% QoQ	$-85.3M	$3.0B +3.3% YoY	$651.4M +12.0% YoY	$388.7M +8.6% YoY	45%
Deposits	$2.6B +4.7% YoY+0.7% QoQ	$-683.9M	$3.3B +1.1% YoY	$641.8M +11.9% YoY	$464.6M +9.3% YoY	Bottom 10.5% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +69.4% YoY+9.9% QoQ	-0.2%	0.7% +5.3% YoY	0.5% -21.3% YoY	0.7% +273.4% YoY	21%
NIM	1.8% +18.4% YoY+2.6% QoQ	-1.4%	3.2% +13.7% YoY	2.9% +1.1% YoY	3.7% +5.0% YoY	Bottom 1.3% in tier
Efficiency Ratio	75.4% -10.6% YoY-2.2% QoQ	+4.2%	71.3% -0.6% YoY	83.0% +4.4% YoY	79.1% -3.3% YoY	68%
Delinquency Rate	0.2% +13.7% YoY-16.3% QoQ	-0.6	0.8% +15.9% YoY	0.5% -36.2% YoY	1.2% -0.9% YoY	Bottom 7.9% in tier
Loan To Share	110.7% -3.4% YoY-0.6% QoQ	+19.9%	90.8% +2.0% YoY	78.6% +0.3% YoY	68.0% -1.7% YoY	Top 3.9% in tier
AMR	$38,685 -0.3% YoY-1.2% QoQ	+$10K	$29,088 +0.1% YoY	$26,126 +7.2% YoY	$19,418 +1.3% YoY	Top 11.8% in tier
CD Concentration	48.6% -1.3% YoY+0.4% QoQ	+19.6%	29.0% +0.7% YoY	27.4% +6.5% YoY	19.6% +6.2% YoY	Top 3.2% in tier
Indirect Auto %	24.5% +0.6% YoY+1.2% QoQ	+5.7%	18.8% -3.0% YoY	10.6% +7.4% YoY	7.9% -2.9% YoY	67%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#206 of 246 • Top 28.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.04%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.50%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 24.45%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Credit Quality Leader

growth

#29 of 95 • Top 29.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.25%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Concerns (5)

Liquidity Strain

risk

#52 of 183 • Bottom 9.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 110.74%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 1.05%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#183 of 217 • Bottom 23.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#170 of 202 • Bottom 27.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.87%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 24.45%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.04%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Credit Risk Growth

risk

#159 of 161 • Bottom 28.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.05%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Flatlined Growth

risk

#15 of 18 • Bottom 40.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.87%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Return on Assets: 0.50%

(Tier: 0.71%, National: 0.71%)

worse than tier avg

18 of 380 Mid-Market CUs have this signature | 82 nationally

→ Stable (18→18 CUs)

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 76 peers in tier

Top Strengths (6 metrics)

Net Charge-Off Rate

risk

Value: 0.10%

Peer Avg: -

#3 of 76 Top 2.6% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 110.74%

Peer Avg: -

#3 of 76 Top 2.6% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,328

Peer Avg: -

#5 of 76 Top 5.3% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Avg: -

#7 of 76 Top 7.9% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $38,685

Peer Avg: -

#9 of 76 Top 10.5% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 492.553

Peer Avg: -

#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (9 metrics)

Net Interest Margin (NIM)

profitability

Value: 1.83%

Peer Avg: -

#75 of 76 Bottom 2.6% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 48.56%

Peer Avg: -

#74 of 76 Bottom 3.9% in 3B-5B tier

Total Members

engagement

Value: 144,318

Peer Avg: -

#71 of 76 Bottom 7.9% in 3B-5B tier

Fee Income Per Member

profitability

Value: $95.20

Peer Avg: -

#68 of 76 Bottom 11.8% in 3B-5B tier

Total Deposits

balance_sheet

Value: $2.65B

Peer Avg: -

#68 of 76 Bottom 11.8% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 51.06%

Peer Avg: -

#64 of 76 Bottom 17.1% in 3B-5B tier

Loan Growth Rate

growth

Value: 1.05%

Peer Avg: -

#62 of 76 Bottom 19.7% in 3B-5B tier

Total Assets

balance_sheet

Value: $3.41B

Peer Avg: -

#62 of 76 Bottom 19.7% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.50%

Peer Avg: -

#60 of 76 Bottom 22.4% in 3B-5B tier