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
- + Net Interest Margin 0.35% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.85% below tier average
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 18 that size in Oregon.
- Shares and deposits -3.1% year over year ($15.1M in shares and deposits).
- Membership: 1,071 members, +1.6% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.64%.
- Efficiency ratio 85.72% vs a 88.77% peer average.
- Loan-to-share ratio 64.69% 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 (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,071
+1.6% YoY+3.4% QoQ
|
-1.5K |
2,585
-1.7% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
30% |
| Assets |
$18.5M
-1.7% YoY-1.4% QoQ
|
$-11.8M |
$30.3M
+1.5% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$9.8M
+2.1% YoY+2.0% QoQ
|
$-5.7M |
$15.5M
-1.7% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$15.1M
-3.1% YoY-2.0% QoQ
|
$-10.7M |
$25.8M
+1.1% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
45% |
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| ROA |
0.6%
-59.6% YoY+133.8% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
4.3%
-6.0% YoY-0.6% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
85.7%
+29.2% YoY-6.3% QoQ
|
-3.0% |
88.8%
-6.9% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
64.7%
+5.4% YoY+4.1% QoQ
|
+5.8% |
58.9%
-3.1% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$23,207
-2.7% YoY-3.7% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
Top 12.4% in tier |
| CD Concentration |
8.1%
+47.2% YoY+6.7% QoQ
|
-16.5% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 13.6% | 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)