BlastPoint's Credit Union Scorecard
GULF COAST
Charter #7520 · AL
GULF COAST has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 4.1% in tier
- + Fee Income Per Member: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 24.97% above tier (higher cost structure)
- - Delinquency rate 1.20% above tier average
- - Member decline: -14.5% YoY
- - Net Worth Ratio: Bottom 1.0% in tier
- - Member Growth Rate: Bottom 3.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +1.1% year over year ($41.5M in shares and deposits).
- Membership: 4,688 members, -14.5% vs a year ago.
- Delinquency rate 2.74%.
- Return on assets 1.00%.
- Efficiency ratio 113.73% vs a 88.77% peer average.
- Loan-to-share ratio 43.74% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,688
-14.5% YoY-2.2% QoQ
|
+2.1K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$44.2M
+0.0% YoY+0.3% QoQ
|
+$13.9M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$18.2M
-2.9% YoY-1.4% QoQ
|
+$2.7M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$41.5M
+1.1% YoY+0.4% QoQ
|
+$15.7M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
76% |
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| ROA |
1.0%
-205.5% YoY-175.5% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
3.4%
-0.3% YoY-2.1% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
113.7%
+3.9% YoY-6.1% QoQ
|
+25.0% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.1% in tier |
| Delinquency Rate |
2.7%
+164.2% YoY-0.3% QoQ
|
+1.2 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 14.6% in tier |
| Loan To Share |
43.7%
-4.0% YoY-1.9% QoQ
|
-15.2% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$12,733
+16.8% YoY+2.1% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration |
8.6%
+27.8% YoY+13.1% QoQ
|
-15.9% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % |
4.1%
-52.4% YoY-19.6% QoQ
|
-9.6% | 13.6% | 5.2% | 7.7% | 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)