BLUE COAST
Charter #11154 · Perry, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 11,373 sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.10% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 39th — a 33-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BLUE COAST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $170.15M | 39th pct | 28th pct |
| Members | 11,373 | 40th pct | 18th pct |
| Net worth ratio | 10.55% | 36th pct | 46th pct |
| Return on average assets | 0.91% | 64th pct | 62th pct |
| Net interest margin | 4.03% | 73th pct | 39th pct |
| Cost of funds | 1.39% | 62th pct | 62th pct |
| Loan-to-share | 85.82% | 80th pct | 69th pct |
| Delinquency 60+ days | 0.10% | 7th pct | 3th pct |
| Net charge-off ratio | 0.77% | 82th pct | 69th pct |
| Loan growth YoY | 6.47% | 92th pct | 85th pct |
| Share growth YoY | 5.77% | 78th pct | 87th pct |
| Efficiency ratio | 79.40% | 53th pct | 52th pct |
structural peer set hash: 1592938200b4ac134edf8aa0d58b9d00… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.