PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Blue Coast

Perry, FL · Charter 11154

NCUA · 3 branches

Q2 2026

$188.5MAssets
$138.9MLoans
$167.8MShares
$18.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.71%, down 6 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.46% of loans (-2 bps YoY).
  • Capital: net worth / assets of 9.68%, down 43 bps from a year ago.
  • Funding: loans stand at 82.81% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.71%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.55%-37 bps YoY

Efficiency Ratio (YTD, annualized)

79.95%+438 bps YoY

Net Worth / Assets

9.68%-43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.74%0.88%0.89%0.71%-6 bps
Return on Equity7.61%7.04%8.11%8.41%7.34%-27 bps
Net Interest Margin3.92%4.06%4.10%3.94%3.55%-37 bps
Efficiency Ratio75.57%77.00%76.32%79.40%79.95%+438 bps
Growth
Asset Growth (YoY)11.64%4.75%-1.01%1.73%12.98%+134 bps
Loan Growth (YoY)4.79%5.46%7.92%13.55%16.89%+1,210 bps
Share Growth (YoY)12.78%5.21%0.33%2.07%14.07%+129 bps
Asset Quality
Delinquent Loans / Loans0.48%0.61%0.71%0.10%0.46%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.11%10.47%10.84%10.55%9.68%-43 bps
Net Worth / Assets10.11%10.47%10.84%10.55%9.68%-43 bps
Liquidity & Funding
Loans / Shares80.81%85.26%84.64%85.82%82.81%+200 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps