BlastPoint's Credit Union Scorecard
GULF COAST
Charter #7520 · AL
GULF COAST has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 17.4% YoY
- + Member Growth Rate: Top 2.2% in tier
- + Total Members: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.83% below tier average
- - Efficiency ratio 28.52% above tier (higher cost structure)
- - Delinquency rate 0.28% above tier average
- - Net Worth Ratio: Bottom 2.0% in tier
- - AMR Growth Rate: Bottom 2.1% in tier
- - Asset Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,872
+17.4% YoY+25.4% QoQ
|
+4.2K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Top 6.3% in tier |
| Assets |
$43.0M
-7.3% YoY-2.8% QoQ
|
+$13.1M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$18.6M
-6.8% YoY-0.5% QoQ
|
+$2.8M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$40.0M
-6.1% YoY-2.5% QoQ
|
+$14.6M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
-1.1%
-52.2% YoY+21.4% QoQ
|
-1.8% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.9% in tier |
| NIM |
3.4%
+16.5% YoY-0.5% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
30% |
| Efficiency Ratio |
109.9%
-11.9% YoY+0.4% QoQ
|
+28.5% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 6.3% in tier |
| Delinquency Rate |
1.8%
+443.1% YoY+71.8% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
46.5%
-0.8% YoY+2.1% QoQ
|
-14.7% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$8,533
-20.2% YoY-21.7% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
7.3%
+35.8% YoY+7.7% QoQ
|
-17.1% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
7.3%
-41.7% YoY-14.8% QoQ
|
-6.7% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)