BlastPoint's Credit Union Scorecard
COASTAL1
Charter #67278 · RI
COASTAL1 has 4 strengths but faces 8 concerns
How does the industry compare?
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How does RI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 85.0% in tier
- + Loan-to-Share Ratio: Top 1.3% in tier
- + Loan-to-Member Ratio (LMR): Top 6.6% in tier
- + Net Charge-Off Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28.5% in tier
- - Credit Quality Pressure: Bottom 75.2% in tier
- - Indirect Auto Dependency: Bottom 87.2% in tier
- - Shrinking Wallet Share: Bottom 92.3% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 2.57% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 2.6% in tier
- - Share Certificate Concentration (%): Bottom 2.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
145,616
+2.9% YoY+0.9% QoQ
|
-84.7K |
230,353
-2.9% YoY
|
35,881
+9.1% YoY
|
33,374
+5.7% YoY
|
Bottom 9.2% in tier |
| Assets |
$3.4B
+2.3% YoY+0.2% QoQ
|
$-520.3M |
$3.9B
+0.3% YoY
|
$774.2M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$2.9B
+0.2% YoY-0.9% QoQ
|
$-29.0M |
$2.9B
-0.2% YoY
|
$651.4M
+11.4% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$2.7B
+4.2% YoY+0.6% QoQ
|
$-646.5M |
$3.3B
-0.3% YoY
|
$643.2M
+11.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.8% in tier |
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| ROA |
0.5%
+101.8% YoY+4.1% QoQ
|
-0.2% |
0.7%
+16.8% YoY
|
0.5%
-9.1% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
1.9%
+21.0% YoY+2.5% QoQ
|
-1.3% |
3.1%
+9.8% YoY
|
3.0%
+1.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio |
74.0%
-12.3% YoY-1.9% QoQ
|
+2.6% |
71.4%
-1.4% YoY
|
84.1%
+1.5% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.4%
+22.0% YoY+43.9% QoQ
|
-0.5 |
0.9%
+5.8% YoY
|
0.5%
-30.0% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
109.1%
-3.9% YoY-1.5% QoQ
|
+20.2% |
88.9%
-0.2% YoY
|
78.0%
+0.8% YoY
|
67.4%
-1.7% YoY
|
Top 2.6% in tier |
| AMR |
$38,255
-0.8% YoY-1.1% QoQ
|
+$9K |
$29,682
+1.5% YoY
|
$26,466
+8.1% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
48.9%
+0.8% YoY+0.7% QoQ
|
+19.9% | 29.0% | 27.7% | 19.8% | Top 2.4% in tier |
| Indirect Auto % |
24.0%
-0.5% YoY-1.8% QoQ
|
+5.7% | 18.3% | 10.6% | 7.8% | 68% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)