BlastPoint's Credit Union Scorecard
NORTH COAST CREDIT UNION
Charter #95786 · OH
NORTH COAST CREDIT UNION has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.8% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 10.21% above tier (higher cost structure)
- - Member decline: -5.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,265
-5.3% YoY-2.7% QoQ
|
-350 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$16.5M
+4.6% YoY+2.8% QoQ
|
$-13.6M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$7.5M
-7.7% YoY-1.3% QoQ
|
$-8.2M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$9.6M
+7.5% YoY+5.1% QoQ
|
$-16.1M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
0.3%
-46.0% YoY-44.0% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
4.5%
-5.6% YoY-2.0% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
92.8%
+5.4% YoY+3.2% QoQ
|
+10.2% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.2%
+185.1% YoY-14.3% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
78.7%
-14.2% YoY-6.1% QoQ
|
+18.0% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$7,536
+5.8% YoY+5.0% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
12.1%
+4.4% YoY-17.8% QoQ
|
-12.3% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 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)