BlastPoint's Credit Union Scorecard
SOUTH COAST ILWU
Charter #9376 · OR
SOUTH COAST ILWU has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.27% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.81% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,036
-1.7% YoY-1.8% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
29% |
| Assets |
$18.8M
+1.5% YoY+3.3% QoQ
|
$-11.4M |
$30.2M
+1.3% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$9.6M
+2.9% YoY-0.3% QoQ
|
$-5.7M |
$15.3M
-2.0% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$15.4M
+0.5% YoY+3.9% QoQ
|
$-10.4M |
$25.8M
+0.7% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
0.3%
-84.3% YoY-76.9% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
4.3%
-10.6% YoY-6.5% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
70% |
| Efficiency Ratio |
91.4%
+43.7% YoY+28.3% QoQ
|
+0.8% |
90.6%
+6.5% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
15% |
| Loan To Share |
62.2%
+2.4% YoY-4.0% QoQ
|
+3.7% |
58.5%
-3.0% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
55% |
| AMR |
$24,097
+3.2% YoY+4.1% QoQ
|
+$9K |
$14,884
-1.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
Top 10.4% in tier |
| CD Concentration |
7.6%
+21.4% YoY+39.2% QoQ
|
-16.7% | 24.3% | 16.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 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)