Blue Coast Federal Credit Union
Perry, FL·Charter 11154·cu:11154·Credit union RBC / net worth
- #55 of 107Total assets in Florida
- 11.7Kmembers
- Top 4%Share growth in the U.S.
- #4 of 81Loan growth in Florida
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Blue Coast Federal Credit Union
5 of 24 FORFI signals stand out against 770 similar credit unions, based on NCUA data for the quarter.
Auto lending growing while the peer median shrinksStrength: Lending 2nd quarter+45.0%peers -1.9%+46.9 pp
Blue Coast Federal Credit Union's auto loans grew 45.0% over the past year to $67.5 million. The median among 770 similar credit unions was -1.9%.
| This institution | Peer median | Difference |
|---|---|---|
| Auto loans, 12-month growth | ||
| +45.0% | -1.9% | +46.9 pp |
| Auto loans | ||
| $67.5 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Blue Coast Federal Credit Union itself is left out of every peer median and percentile. How signals work
Shares and deposits growing faster than peersStrength: Funding+14.1%peers +3.5%+10.6 pp
Blue Coast Federal Credit Union's shares and deposits grew 14.1% over the past year to $168 million. The median among 770 similar credit unions was +3.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Shares and deposits, 12-month growth | ||
| +14.1% | +3.5% | +10.6 pp |
| Shares and deposits | ||
| $168 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Blue Coast Federal Credit Union itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth+13.0%peers +4.0%+8.9 pp
Blue Coast Federal Credit Union's total assets grew 13.0% over the past year to $189 million. The median among 770 similar credit unions was +4.0%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +13.0% | +4.0% | +8.9 pp |
| Total assets | ||
| $189 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Blue Coast Federal Credit Union itself is left out of every peer median and percentile. How signals work
2 more observations
- Reliance on share certificates rising faster than peersFunding
- Loans growing faster than peersLending
Key facts
- Blue Coast Federal Credit Union is a federally chartered credit union headquartered in Perry, Florida. It reported $189 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $168 million, up 14.1% from a year earlier, and loans totaled $139 million, up 16.9%.
- Its net interest margin on average assets was 3.72% and its annualized return on assets was 0.65% for the quarter.
- Its cost of all shares and deposits was 1.57%, compared with a median of 1.30% among 770 similar credit unions with $100 million to $300 million in assets.
- It served 11,652 members, up 3.7% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Blue Coast Federal Credit Union's own data, FORFI would look at: Which borrowers are behind the loan growth, and what else those relationships need.
Analysis workspaces
Sources and identifiers
- Institution
- Blue Coast Federal Credit Union · Credit union
- NCUA charter
- 11154
- Reporting period
- Peer group
- 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Blue Coast Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $292.45K | |
| $2.29M | |
| $624.68K | |
| $1.67M | |
| $582.96K | |
| $1.81M | |
| $146.15K | |
| $146.15K | |
| 0.65% | |
| 3.72% | |
| 80.49% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.