BlastPoint's Credit Union Scorecard
FIRST COAST COMMUNITY
Charter #68524 · FL
FIRST COAST COMMUNITY has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 87.3% in tier
- + ROA 0.03% above tier average
- + Net Interest Margin 0.16% above tier average
- + First Mortgage Concentration (%): Top 4.7% in tier
- + Share Certificate Concentration (%): Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 17.5% in tier
- - Membership Headwinds: Bottom 24.1% in tier
- - Stagnation Risk: Bottom 26.1% in tier
- - Margin Compression: Bottom 27.5% in tier
- - Institutional Decline: Bottom 28.8% in tier
- - Efficiency ratio 0.96% above tier (higher cost structure)
- - Loan-to-Member Ratio (LMR): Bottom 1.9% in tier
- - Loan-to-Share Ratio: Bottom 3.4% in tier
- - Total Loans: Bottom 4.7% in tier
- - Average Member Relationship (AMR): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,834
-1.5% YoY-1.2% QoQ
|
-3.8K |
15,628
-3.4% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$149.7M
+1.2% YoY-1.4% QoQ
|
$-81.6M |
$231.3M
-0.0% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$47.6M
-3.6% YoY-1.4% QoQ
|
$-100.2M |
$147.8M
-1.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.6% in tier |
| Deposits |
$129.2M
+1.3% YoY-1.3% QoQ
|
$-71.1M |
$200.3M
-0.0% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
30% |
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| ROA |
0.8%
-20.0% YoY-10.0% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
54% |
| NIM |
3.7%
+8.6% YoY+2.4% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
78.2%
+5.1% YoY+1.0% QoQ
|
+1.0% |
77.3%
-3.0% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.4%
-31.2% YoY-20.7% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
22% |
| Loan To Share |
36.9%
-4.9% YoY-0.1% QoQ
|
-35.8% |
72.7%
-1.5% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.3% in tier |
| AMR |
$14,943
+1.5% YoY-0.1% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.4% in tier |
| CD Concentration |
7.8%
+3.6% YoY+3.0% QoQ
|
-16.7% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
32.6%
-11.4% YoY-3.6% QoQ
|
+18.7% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)