BlastPoint's Credit Union Scorecard

GULF COAST

Charter #7520 · AL

<100M

2508 CUs in <100M nationally 53 in AL

GULF COAST has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ AMR Growth Rate: Top 5.7% in tier
+ Fee Income Per Member: Top 6.1% in tier

Key Concerns

Areas that may need attention

- ROA 1.47% below tier average
- Efficiency ratio 30.53% above tier (higher cost structure)
- Delinquency rate 1.25% above tier average
- Member decline: -13.0% YoY
- Net Worth Ratio: Bottom 1.1% in tier
- Member Growth Rate: Bottom 3.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	4,792 -13.0% YoY-4.0% QoQ	+2.1K	2,676 +1.6% YoY	28,055 -6.4% YoY	33,913 +5.7% YoY	Top 14.7% in tier
Assets	$44.1M +0.2% YoY+2.7% QoQ	+$13.9M	$30.2M +1.3% YoY	$451.2M +7.2% YoY	$578.3M +9.0% YoY	72%
Loans	$18.4M -6.7% YoY-2.3% QoQ	+$3.1M	$15.3M -2.0% YoY	$260.3M +6.6% YoY	$402.4M +8.7% YoY	68%
Deposits	$41.3M +1.1% YoY+3.2% QoQ	+$15.6M	$25.8M +0.7% YoY	$395.2M +6.0% YoY	$494.3M +9.1% YoY	76%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-1.3% +4.3% YoY-6.1% QoQ	-1.5%	0.1% -77.6% YoY	0.6% -14.6% YoY	0.4% -39.2% YoY	Bottom 7.0% in tier
NIM	3.5% -5.3% YoY+0.5% QoQ	-0.5%	4.0% +4.0% YoY	3.7% +0.6% YoY	3.8% +4.1% YoY	35%
Efficiency Ratio	121.2% +9.3% YoY+7.5% QoQ	+30.5%	90.6% +6.5% YoY	80.4% -0.1% YoY	84.6% +2.8% YoY	Bottom 5.7% in tier
Delinquency Rate	2.8% +18.3% YoY+8.4% QoQ	+1.2	1.5% +3.8% YoY	1.6% +17.5% YoY	1.2% +3.4% YoY	Bottom 12.9% in tier
Loan To Share	44.6% -7.7% YoY-5.3% QoQ	-13.9%	58.5% -3.0% YoY	59.2% -1.1% YoY	65.6% -1.4% YoY	28%
AMR	$12,474 +13.2% YoY+5.6% QoQ	$-2K	$14,884 -1.7% YoY	$17,504 +3.5% YoY	$19,920 +1.6% YoY	42%
CD Concentration	7.6% +40.8% YoY-0.6% QoQ	-16.6%	24.3%	21.3%	19.8%	50%
Indirect Auto %	5.1% -16.9% QoQ	-8.7%	13.8%	5.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

143

AMR Growth Rate

growth

Value: 13.23%

Peer Median: 1.27%

#143 of 2508 Top 5.7% in <100M tier

155

Fee Income Per Member

profitability

Value: $185.74

Peer Median: $60.42

#155 of 2508 Top 6.1% in <100M tier

368

Total Members

engagement

Value: 4,792

Peer Median: 1,918

#368 of 2508 Top 14.6% in <100M tier

598

Total Deposits

balance_sheet

Value: $41.35M

Peer Median: $18.77M

#598 of 2508 Top 23.8% in <100M tier

Top Weaknesses (6 metrics)

2482

Net Worth Ratio

risk

Value: 6.12%

Peer Median: 14.28%

#2482 of 2508 Bottom 1.1% in <100M tier

2413

Member Growth Rate

growth

Value: -12.98%

Peer Median: -1.37%

#2413 of 2508 Bottom 3.8% in <100M tier

2366

Efficiency Ratio

profitability

Value: 121.16%

Peer Median: 81.45%

#2366 of 2508 Bottom 5.7% in <100M tier

2332

Return on Assets (ROA)

profitability

Value: -1.32%

Peer Median: 0.61%

#2332 of 2508 Bottom 7.1% in <100M tier

2242

Indirect Auto Concentration (%)

balance_sheet

Value: 5.06%

Peer Median: 0.00%

#2242 of 2508 Bottom 10.6% in <100M tier

2186

Total Delinquency Rate (60+ days)

risk

Value: 2.75%

Peer Median: 0.65%

#2186 of 2508 Bottom 12.9% in <100M tier