BlastPoint's Credit Union Scorecard
COASTLIFE
Charter #68482 · TX
COASTLIFE has 2 strengths but faces 11 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 41.0% in tier
- + First Mortgage Concentration (%): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.9% in tier
- - Membership Headwinds: Bottom 9.4% in tier
- - Stagnation Risk: Bottom 21.2% in tier
- - ROA 0.48% below tier average
- - Delinquency rate 0.71% above tier average
- - Member decline: -4.2% YoY
- - Net Charge-Off Rate: Bottom 1.8% in tier
- - Total Assets: Bottom 4.7% in tier
- - Indirect Auto Concentration (%): Bottom 7.7% in tier
- - Member Growth Rate: Bottom 8.3% in tier
- - Total Deposits: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,666
-4.2% YoY-3.2% QoQ
|
-5.1K |
39,752
-2.7% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
37% |
| Assets |
$508.6M
+3.2% YoY-0.7% QoQ
|
$-113.8M |
$622.4M
+0.3% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.1% in tier |
| Loans |
$344.7M
+4.2% YoY+5.7% QoQ
|
$-91.3M |
$435.9M
-0.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.2% in tier |
| Deposits |
$451.9M
+3.1% YoY-1.1% QoQ
|
$-86.1M |
$538.0M
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.9% in tier |
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| ROA |
0.2%
-194.3% YoY+693.9% QoQ
|
-0.5% |
0.7%
+33.9% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.4% in tier |
| NIM |
3.2%
+14.2% YoY+2.6% QoQ
|
-0.3% |
3.4%
+8.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
31% |
| Efficiency Ratio |
75.8%
-9.2% YoY-2.8% QoQ
|
-2.3% |
78.1%
-3.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
1.5%
-23.7% YoY-6.4% QoQ
|
+0.7 |
0.8%
-4.9% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 12.4% in tier |
| Loan To Share |
76.3%
+1.1% YoY+6.9% QoQ
|
-4.8% |
81.0%
-1.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
31% |
| AMR |
$22,981
+8.1% YoY+5.1% QoQ
|
$-4K |
$26,482
+2.6% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
31.6%
+9.4% YoY+2.0% QoQ
|
+7.2% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
75% |
| Indirect Auto % |
42.1%
+8.2% YoY+14.6% QoQ
|
+28.2% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Top 7.6% 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 declining year-over-year. Shrinking 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)