BlastPoint's Credit Union Scorecard
COASTLIFE
Charter #68482 · TX
COASTLIFE has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 35.5% in tier
- + First Mortgage Concentration (%): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 73.9% in tier
- - Membership Headwinds: Bottom 84.7% in tier
- - Stagnation Risk: Bottom 84.7% in tier
- - ROA 0.39% below tier average
- - Delinquency rate 0.08% above tier average
- - Member decline: -3.6% YoY
- - Net Charge-Off Rate: Bottom 1.8% in tier
- - Total Assets: Bottom 9.7% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
- Shares and deposits +0.4% year over year ($459M in shares and deposits).
- Membership: 34,514 members, -3.6% vs a year ago.
- Delinquency rate 0.89%.
- Return on assets 0.43%.
- Efficiency ratio 75.32% vs a 76.56% peer average.
- Loan-to-share ratio 73.20% vs a 79.33% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,514
-3.6% YoY-0.1% QoQ
|
-3.4K |
37,897
-5.0% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$519.7M
+1.5% YoY+0.4% QoQ
|
$-102.6M |
$622.4M
+0.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.1% in tier |
| Loans |
$335.9M
+3.0% YoY-3.2% QoQ
|
$-92.6M |
$428.5M
-0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$458.9M
+0.4% YoY+0.2% QoQ
|
$-80.9M |
$539.8M
+0.9% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
17% |
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| ROA |
0.4%
+0.6% QoQ
|
-0.4% |
0.8%
+39.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
3.3%
+7.9% YoY+1.1% QoQ
|
-0.2% |
3.5%
+5.0% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
75.3%
-3.4% YoY+0.0% QoQ
|
-1.2% |
76.6%
-3.6% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
0.9%
-44.7% YoY-10.5% QoQ
|
+0.1 |
0.8%
+3.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
73.2%
+2.6% YoY-3.4% QoQ
|
-6.1% |
79.3%
-1.4% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$23,026
+5.3% YoY-1.2% QoQ
|
$-4K |
$27,294
+4.1% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
35.6%
+15.0% YoY+0.9% QoQ
|
+11.1% | 24.6% | 21.6% | 20.0% | Top 14.6% in tier |
| Indirect Auto % |
37.3%
+1.6% YoY-1.3% QoQ
|
+23.7% | 13.6% | 6.9% | 7.7% | Bottom 9.8% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)