BlastPoint's Credit Union Scorecard
COASTLIFE
Charter #68482 · TX
COASTLIFE has 2 strengths but faces 9 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 37.3% in tier
- + First Mortgage Concentration (%): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 15.2% in tier
- - Membership Headwinds: Bottom 34.5% in tier
- - Stagnation Risk: Bottom 46.3% in tier
- - ROA 0.44% below tier average
- - Delinquency rate 0.53% above tier average
- - Member decline: -4.0% YoY
- - Net Charge-Off Rate: Bottom 3.0% in tier
- - Total Assets: Bottom 7.3% in tier
- - Indirect Auto Concentration (%): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,541
-4.0% YoY-0.4% QoQ
|
-4.0K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$516.0M
+4.1% YoY+1.5% QoQ
|
$-105.7M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.7% in tier |
| Loans |
$339.8M
+6.0% YoY-1.4% QoQ
|
$-90.0M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.5% in tier |
| Deposits |
$457.2M
+3.5% YoY+1.2% QoQ
|
$-81.5M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.5% in tier |
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| ROA |
0.2%
-637.2% YoY+21.6% QoQ
|
-0.4% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
3.2%
+12.1% YoY+1.5% QoQ
|
-0.2% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
74.7%
-7.1% YoY-1.4% QoQ
|
-2.8% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
1.4%
-40.6% YoY-9.3% QoQ
|
+0.5 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
74.3%
+2.4% YoY-2.5% QoQ
|
-5.5% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$23,076
+8.9% YoY+0.4% QoQ
|
$-4K |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
33.3%
+12.9% YoY+5.4% QoQ
|
+8.9% | 24.4% | 21.2% | 19.8% | 80% |
| Indirect Auto % |
42.8%
+10.3% YoY+1.4% QoQ
|
+29.0% | 13.8% | 7.1% | 7.8% | Top 6.7% 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)