BlastPoint's Credit Union Scorecard
GOLD COAST
Charter #967 · FL
GOLD COAST has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Share Certificate Concentration (%): Top 2.2% in tier
- + First Mortgage Concentration (%): Top 8.6% in tier
- + Loan Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 6.09% above tier (higher cost structure)
- - Member decline: -2.2% YoY
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits +3.1% year over year ($240M in shares and deposits).
- Membership: 19,485 members, -2.2% vs a year ago.
- Delinquency rate 0.43%.
- Return on assets 0.58%.
- Efficiency ratio 82.82% vs a 76.73% peer average.
- Loan-to-share ratio 54.64% vs a 71.54% 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 (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,485
-2.2% YoY-0.7% QoQ
|
+4.3K |
15,168
-2.6% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$269.8M
+3.6% YoY+0.7% QoQ
|
+$37.8M |
$232.0M
+0.7% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$131.1M
+13.8% YoY+11.5% QoQ
|
$-15.2M |
$146.3M
+0.2% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
53% |
| Deposits |
$239.9M
+3.1% YoY+0.7% QoQ
|
+$39.2M |
$200.7M
+0.2% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
0.6%
+4.0% YoY+35.0% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
3.5%
-1.9% YoY+1.6% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
82.8%
-0.5% YoY-2.3% QoQ
|
+6.1% |
76.7%
-0.8% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.4%
+72.2% YoY-18.5% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
54.6%
+10.4% YoY+10.8% QoQ
|
-16.9% |
71.5%
-0.3% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$19,038
+9.0% YoY+4.9% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration |
1.3%
-43.7% YoY-8.8% QoQ
|
-23.3% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)