BlastPoint's Credit Union Scorecard

GOLD COAST

Charter #967 · FL

1077 CUs in 100M-500M nationally 35 in FL

GOLD COAST has 7 strengths but faces 11 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 15.2% in tier
+ Credit Quality Leader: Top 97.3% in tier
+ Net Interest Margin 0.11% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 2.1% in tier
+ AMR Growth Rate: Top 5.4% in tier
+ First Mortgage Concentration (%): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 1.6% in tier
- Stagnation Risk: Bottom 8.2% in tier
- Efficiency Drag: Bottom 24.8% in tier
- Credit Risk Growth: Bottom 26.0% in tier
- Credit Quality Pressure: Bottom 27.3% in tier
- ROA 0.15% below tier average
- Efficiency ratio 4.85% above tier (higher cost structure)
- Member decline: -12.0% YoY
- Member Growth Rate: Bottom 2.6% in tier
- Deposit Growth Rate: Bottom 4.5% in tier
- Asset Growth Rate: Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	19,840 -12.0% YoY-0.4% QoQ	+4.2K	15,628 -3.4% YoY	69,671 +4.3% YoY	33,089 +6.1% YoY	75%
Assets	$259.0M -2.4% YoY-0.5% QoQ	+$27.7M	$231.3M -0.0% YoY	$1.1B +3.8% YoY	$547.7M +7.8% YoY	66%
Loans	$117.3M +5.2% YoY+1.8% QoQ	$-30.5M	$147.8M -1.4% YoY	$773.4M +7.4% YoY	$388.7M +8.6% YoY	46%
Deposits	$229.8M -3.8% YoY-1.2% QoQ	+$29.5M	$200.3M -0.0% YoY	$908.2M +6.5% YoY	$464.6M +9.3% YoY	66%

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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	0.6% -12.0% YoY+14.8% QoQ	-0.1%	0.8% +15.5% YoY	0.6% +15.9% YoY	0.7% +273.4% YoY	41%
NIM	3.7% +18.6% YoY+3.1% QoQ	+0.1%	3.6% +6.9% YoY	3.6% +6.7% YoY	3.7% +5.0% YoY	56%
Efficiency Ratio	82.1% +2.5% YoY-1.4% QoQ	+4.9%	77.3% -3.0% YoY	79.0% +0.0% YoY	79.1% -3.3% YoY	67%
Delinquency Rate	0.4% +6.3% YoY+53.5% QoQ	-0.5	0.9% +7.6% YoY	0.7% +3.1% YoY	1.2% -0.9% YoY	25%
Loan To Share	51.0% +9.4% YoY+3.1% QoQ	-21.7%	72.7% -1.5% YoY	71.2% +0.4% YoY	68.0% -1.7% YoY	Bottom 11.5% in tier
AMR	$17,491 +12.6% YoY+0.2% QoQ	$-7K	$24,363 +2.9% YoY	$22,283 +3.7% YoY	$19,418 +1.3% YoY	20%
CD Concentration	2.0% -70.2% YoY-11.4% QoQ	-22.4%	24.4% +4.2% YoY	23.4% +4.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	10.9% -1.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#74 of 481 • Top 15.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.55%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Credit Quality Leader

growth

#331 of 340 • Top 97.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.38%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#27 of 550 • Bottom 1.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -11.99%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk

#136 of 550 • Bottom 8.2% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -11.99%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 5.19%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.38%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk

#438 of 521 • Bottom 24.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.13%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.09% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -11.99%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Risk Growth

risk

#390 of 446 • Bottom 26.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.19%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#677 of 736 • Bottom 27.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 1.97%

Peer Avg: -

#24 of 1077 Top 2.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 12.55%

Peer Avg: -

#59 of 1077 Top 5.4% in 100M-500M tier

106

First Mortgage Concentration (%)

balance_sheet

Value: 7.67%

Peer Avg: -

#106 of 1077 Top 9.7% in 100M-500M tier

231

Net Charge-Off Rate

risk

Value: 0.15%

Peer Avg: -

#231 of 1077 Top 21.4% in 100M-500M tier

270

Total Delinquency Rate (60+ days)

risk

Value: 0.38%

Peer Avg: -

#270 of 1077 Top 25.0% in 100M-500M tier

Top Weaknesses (6 metrics)

1050

Member Growth Rate

growth

Value: -11.99%

Peer Avg: -

#1050 of 1077 Bottom 2.6% in 100M-500M tier

1030

Deposit Growth Rate

growth

Value: -3.80%

Peer Avg: -

#1030 of 1077 Bottom 4.5% in 100M-500M tier

987

Asset Growth Rate

growth

Value: -2.39%

Peer Avg: -

#987 of 1077 Bottom 8.4% in 100M-500M tier

953

Loan-to-Share Ratio

balance_sheet

Value: 51.03%

Peer Avg: -

#953 of 1077 Bottom 11.6% in 100M-500M tier

937

Loan-to-Member Ratio (LMR)

engagement

Value: $5,910

Peer Avg: -

#937 of 1077 Bottom 13.1% in 100M-500M tier

862

Average Member Relationship (AMR)

engagement

Value: $17,491

Peer Avg: -

#862 of 1077 Bottom 20.1% in 100M-500M tier