BlastPoint's Credit Union Scorecard
GULF COAST
Charter #7520 · AL
GULF COAST has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 2.03% below tier average
- - Efficiency ratio 30.18% above tier (higher cost structure)
- - Delinquency rate 0.98% above tier average
- - Member decline: -10.0% YoY
- - Net Worth Ratio: Bottom 1.1% in tier
- - Member Growth Rate: Bottom 5.4% in tier
- - Net Charge-Off Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,991
-10.0% YoY-27.4% QoQ
|
+2.4K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
Top 13.9% in tier |
| Assets |
$42.9M
+0.2% YoY-0.2% QoQ
|
+$12.8M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$18.9M
-6.1% YoY+1.3% QoQ
|
+$3.1M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$40.1M
+0.9% YoY+0.1% QoQ
|
+$14.4M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
-1.4%
-31.2% YoY+22.6% QoQ
|
-2.0% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.4% in tier |
| NIM |
3.5%
+13.8% YoY+1.7% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
112.7%
-6.8% YoY+2.6% QoQ
|
+30.2% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Top 5.7% in tier |
| Delinquency Rate |
2.5%
+80.0% YoY+42.4% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
47.0%
-7.0% YoY+1.2% QoQ
|
-13.6% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$11,808
+9.5% YoY+38.4% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
7.7%
+20.3% YoY+5.5% QoQ
|
-16.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
6.1%
-44.5% YoY-16.4% QoQ
|
-7.7% | 13.8% | 5.2% | 7.8% | 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)