BlastPoint's Credit Union Scorecard

COASTAL1

Charter #67278 · RI

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 2 in RI
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COASTAL1 has 4 strengths but faces 6 concerns

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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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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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)

No strengths identified

Concerns (2)

Liquidity Strain

risk
#54 of 148 • Bottom 2.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 107.29%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): -0.42%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#163 of 198 • Bottom 75.3% in tier

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

Why This Signature
Asset Growth (YoY): 2.45%
(Tier: 6.82%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 24.21%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 2.17%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY | Rank worsening

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)

Comparing against 78 peers in tier

Top Strengths (6 metrics)

3
Total Delinquency Rate (60+ days)
risk
Value: 0.17%
Peer Median: 0.54%
#3 of 78 Top 2.6% in 3B-5B tier
3
Net Charge-Off Rate
risk
Value: 0.10%
Peer Median: 0.46%
#3 of 78 Top 2.6% in 3B-5B tier
5
Loan-to-Share Ratio
balance_sheet
Value: 107.29%
Peer Median: 90.65%
#5 of 78 Top 5.1% in 3B-5B tier
8
Loan-to-Member Ratio (LMR)
engagement
Value: $19,839
Peer Median: $13,137
#8 of 78 Top 9.0% in 3B-5B tier
12
Members Per Employee (MPE)
engagement
Value: 522.769
Peer Median: 393.414
#12 of 78 Top 14.1% in 3B-5B tier
13
Average Member Relationship (AMR)
engagement
Value: $38,330
Peer Median: $28,813
#13 of 78 Top 15.4% in 3B-5B tier

Top Weaknesses (7 metrics)

76
Net Interest Margin (NIM)
profitability
Value: 2.03%
Peer Median: 3.23%
#76 of 78 Bottom 3.8% in 3B-5B tier
76
Share Certificate Concentration (%)
balance_sheet
Value: 47.98%
Peer Median: 31.76%
#76 of 78 Bottom 3.8% in 3B-5B tier
69
Total Members
engagement
Value: 146,898
Peer Median: 212,824
#69 of 78 Bottom 12.8% in 3B-5B tier
67
Fee Income Per Member
profitability
Value: $91.95
Peer Median: $175.66
#67 of 78 Bottom 15.4% in 3B-5B tier
67
Loan Growth Rate
growth
Value: -0.42%
Peer Median: 5.73%
#67 of 78 Bottom 15.4% in 3B-5B tier
65
Total Deposits
balance_sheet
Value: $2.72B
Peer Median: $3.34B
#65 of 78 Bottom 17.9% in 3B-5B tier
65
First Mortgage Concentration (%)
balance_sheet
Value: 50.29%
Peer Median: 32.80%
#65 of 78 Bottom 17.9% in 3B-5B tier
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