BlastPoint's Credit Union Scorecard
COASTLIFE
Charter #68482 · TX
COASTLIFE has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 15.7% in tier
- + First Mortgage Concentration (%): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 77.0% in tier
- - Membership Headwinds: Bottom 86.1% in tier
- - Stagnation Risk: Bottom 86.1% in tier
- - ROA 0.26% below tier average
- - Delinquency rate 0.29% above tier average
- - Member decline: -3.9% YoY
- - Net Charge-Off Rate: Bottom 2.4% in tier
- - Total Assets: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,532
-3.9% YoY-0.0% QoQ
|
-3.5K |
38,079
-4.8% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
37% |
| Assets |
$517.5M
+1.0% YoY+0.3% QoQ
|
$-102.2M |
$619.7M
-0.2% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.0% in tier |
| Loans |
$347.0M
+8.9% YoY+2.1% QoQ
|
$-72.3M |
$419.3M
-1.4% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$458.1M
+0.1% YoY+0.2% QoQ
|
$-81.4M |
$539.5M
-0.1% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 15.0% in tier |
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| ROA |
0.4%
-237.0% YoY+100.6% QoQ
|
-0.3% |
0.7%
+36.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
3.3%
+8.2% YoY+2.5% QoQ
|
-0.2% |
3.5%
+4.5% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
34% |
| Efficiency Ratio |
75.3%
-7.9% YoY+0.8% QoQ
|
-3.1% |
78.4%
-3.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
32% |
| Delinquency Rate |
1.0%
-39.9% YoY-27.3% QoQ
|
+0.3 |
0.7%
-0.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
77% |
| Loan To Share |
75.8%
+8.8% YoY+1.9% QoQ
|
-1.9% |
77.7%
-1.2% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$23,314
+7.9% YoY+1.0% QoQ
|
$-4K |
$26,927
+3.1% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
35.3%
+18.3% YoY+6.1% QoQ
|
+11.0% | 24.3% | 21.3% | 19.8% | Top 13.7% in tier |
| Indirect Auto % |
37.8%
-1.2% YoY-11.5% QoQ
|
+24.0% | 13.8% | 6.9% | 7.7% | Bottom 9.9% 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)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)