BlastPoint's Credit Union Scorecard
SOUTH COAST ILWU
Charter #9376 · OR
SOUTH COAST ILWU demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.56% above tier average
- + Net Interest Margin 0.62% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,055
+3.1% YoY+0.4% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$18.2M
+2.8% YoY-2.9% QoQ
|
$-12.0M |
$30.1M
+2.1% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$9.6M
+1.4% YoY-0.9% QoQ
|
$-6.2M |
$15.8M
-1.3% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$14.8M
+1.6% YoY-3.7% QoQ
|
$-10.9M |
$25.7M
+1.4% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
1.2%
-33.9% YoY-27.9% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
4.6%
-4.9% YoY+1.3% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
71.2%
+9.6% YoY+6.8% QoQ
|
-11.3% |
82.6%
-2.3% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate | 0.0% | -1.5 |
1.6%
-3.1% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.6% in tier |
| Loan To Share |
64.8%
-0.1% YoY+2.9% QoQ
|
+4.2% |
60.6%
-3.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$23,143
-1.6% YoY-3.0% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
Top 11.7% in tier |
| CD Concentration |
5.4%
-16.3% YoY+4.0% QoQ
|
-19.0% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 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)